As the previous comment says, you can't get a good view of many Loire chateaux from the road. If you're looking to save the entry fee, some have a pay gate at the car park entrance while at others you can walk around outdoors free of charge, paying only to enter the building(s). Once inside, many of them are self-guided so you can go through as quickly or as slowly as you like. At some (e.g., Villandry, Chenonceau) the gardens are spectacular. The Loire region as a whole, apart from chateaux, is dotted with charming villages. I haven't been to the further western end of the region but would like to. I can highly recommend Azay-le-Rideau as a base; the Hotel de Biencourt was excellent. Chinon is also lovely.
I get the impression from the way you phrased your question that your husband's interests and yours aren't quite on the same page when it comes to chateaux. You might do some negotiating so that he gets what he prefers on some other days of your trip and you get what you prefer in the Loire?
As for Versailles, it is a royal palace with an incredibly rich art collection as well as world-famous architectural detail and history. And the massive grounds have so much more to see (Grand Trianon, Petit Trianon, etc.). If I ever get to go back, I swear I'm going to plan three whole days for Versailles (stay two nights in hotel) because each time I've been there hasn't been enough time to do more than scratch the surface. If you don't like being in crowds, basically the interior of the palace is not for you. But very few of the huge number of tourists venture out into the grounds. Also, a guided tour (visite guidee) will give you a small group, relatively uncrowded space, and a knowledgeable guide who speaks fluent English. Although your husband is apparently not a fan of tours, this is one instance where I highly recommend taking one.