I really wanted a Yorkie and my BF didn't really think I would take care of it either. He figured the novelty would wear off and she would stop being cute as soon as she messed the carpet. There were some times when she was young where I felt stressed and a bit tied down, but I made a commitment and I was going to follow it through. The good times really out weighed the hard, and the work pays off. I love her so much and she's totally worth it.
If your girlfriend is serious and fully aware of the responsibility, then this will be a great thing for both of you. You guys may find that instead of shopping on Saturdays you'd rather spend it with the puppy. That's what happened with me.
Everyone warned me about the cost too, and I guess it does add up, but seriously, I love spending money on Ginger. Lol. She's my baby.
Just the fact that you're on YT, looking into this, shows that you are going about this the right way and not just carelessly jumping into it. I wish you two the best!