Goodness OP,
The change of clothes and no cellphone rule is very unreasonable.
You are absolutely the talk of the neighborhood, because the nannies are all talking to their employers about this.
Your husband is right to be mortified, because that's "crazy parent" behavior and you won't live it down until your kids go to college. People remember little tidbits like that.
This nanny is gone. Please don't propose changing clothes when someone has used a shared car or used public transport, it makes you look CRAZY. Please understand employees need breaks at work to call people, and they need to be stay in touch with dependents.
Wow.