For the wives -
I think Valentine's is a great time to show your husband how much you love him. And, if you think that Valentine's is way overrated, commercialized and dumb, you are probably right. So, pick another day (Feb. 19 will work just fine, for example) and get to planning.
And, don't let money hold you back. I racked my brain this year trying to think of something fun to do that's virtually free, and I came up with something. It's been a really fun project. (Dustin's not a huge blogger, but just in case he checks, I'd better be stealthy, which adds to the fun element...)
What's my point? Well, here's the deal. I think that sometimes we women can get too me-centered. We want our husbands to surprise and romance us. (And sometimes they do, and sometimes maybe they don't.) We get expectations in our head and wonder what he will say or do to wow us (not just on Valentine's). But, we need to get others-focused, even in our homes. And it can be super fun! So, this year... don't think of yourself, just start scheming - how can you show your husband that you are crazy about him? How can you make him thrilled that he married you? How can you encourage him spiritually? How can you surprise him in the midst of a busy work week?
And don't worry about you. Don't CARE if he forgets. Don't fret if he's not romantic or full of surprises. You just do your part and love him well. Husbands are a blessing. Can you imagine your life without him?
If you have more ideas (especially low-budget ones), do share in my comment section. :)