Great post!
My Lady is a rescue from a BYB and she has a laundry list of genetic health issues including epilepsy, diabetes, hypothyroidism, heart murmur ..... the list goes on. I spend close to $5,000 a year on her medications, diabetic supplies and vet care (excluding emergencies which are more). As you say, the real cost is not financial, but the heartbreak these poorly bred dogs can bring.
I am and will continue to be outspoken about buying from responsible breeders and I have a very narrow definition of what that is.