DuckieDee,
OK... here's my thoughts.
First of all, DEFINITELY order the cake!! Don't wait for him to do these things for you, I waited, the first part of my marriage, and I'd be hurt and sometimes even offended, that my husband just didn't do those kinds of things. Then I realized that he really does NOT have the ability to do it. He doesn't think of surprises, he doesn't know how to shop, he doesn't know the first thing about ordering anything.. the list goes on. So, now I have taken responsibility for my own happiness (shouldn't we all?) and if I want something, I either let him know very clearly, or I do it for myself. Nothing wrong with that.
Next thought (sorry.. but you asked!

) I haven't had a birthday cake in years! I LOVE the idea of doing this for yourself, but for me, some of it would be the element of the surprise. SO... I would find a really dear friend, who knows you well, and I would give that friend your credit card and ask him/her to make the order and take care of the details. This way you can be sure that it will be something special (a fondant covered disney DREAM!) and something geared toward YOU. No need to be embarrassed, because you won't be the one who placed the order.
I know that others have said your husband should do this, but if my husband was left to do this, I would get a hostess cupcake with a candle in it (and the candle would be Disney's idea.. not his!

) So, if money truly isn't an issue, GO FOR IT! Do it up right! If it's breakfast... SO BE IT!!! Birthdays only come once a year, and we never, ever know what can happen between this one and the next. LIVE IT UP!
OK, enough of my babbling... Have fun!
Oh, and I'd be happy to order that extravagant cake for you! Just let me know, and I will set it all up and find a way that they would bill HIM

I'm sure it can be done.
I'm sure he's a wonderful man, but some things just can't be taught. Be thankful for that lakefront lot (I sure would be!) and the other things that he does. Cake just probably will never be in his repertoire!