hi berry,
actually its not difficult to do F&E in NZ. can u or ur hubby drive? else u can opt for self drive instead of joining tour cos there are alot of places which u can explore yourself.
Since u plan to go for 10 days, suggestions for u to explore is the south island.
Christchurch - Lake Tekapo - Mount Cook - Queenstowns - Milford Sound - Queenstown - Fox Glacier/Franz Josef Glacier - Arthur's Pass - Christchurch
unless u are really ambitious, can explore more places but will be quite hectic.