I like the way you and your husband think...you have a good handle on the situation. Yes, there are Yorkies who do need constant vet care, my first one was like that, but we did everything we could to ensure he got the care he needed no matter the expense. If you go into it with that attitude you'll be just fine. Sometimes there is too much hype that surrounds the Yorkie breed and there are bad breeders who fuel the fire. But the reality of the situation is...you can run into very high vet bills with any breed...just take your time and find a good, reputable breeder and enjoy your Yorkie when you find it.