You could send hubby to Walmart or target for flour sack towels...about $1 each and can be used pad folded or snappid on. If you don't have covers, but you have pockets, just use an empty pocket diaper like a cover. Definitely use two or three together for night depending on how heavy a wetter you have.
I got two dozen from Sam's (these are huge...like 36x38, but target and Walmart have ones that are around 30x30) and used them exclusively for a week when DS needed heavy duty rash cream. I actually like them and I'm still reaching for them regularly even though we are back to cloth safe creams.