Ratman1967 posted a new comment on the Article Getting a service dog at 30 almost ruined my marriage. Then, it saved it.
You make some very good points about expenses. One point not mentioned was pet insurance. The monthly premiums may seem excessive early on, but it can be extremely helpful in case of serious illness (or injury). Locked premium policies assist in budgeting.
Another tangential item is the price of the dog itself, though mostly in the case of self-training. Given two similar seeming dogs, it may be quite beneficial to spend more for a pup with certified genetics (hip, elbow, eye issues, etc) as the long term costs should be lower.