Well... I think that there is no perfect puppy and there are always risks one just has to take. You mentioned that you are able to afford vet bills and there will be vet bills, if not now then later. A big junk of luck always plays a role in the purchase of a puppy. The puppies with a long pedigree and health guarantee are way more expensive and run from $1,000 upwards and can get sick too...
Maybe you could give this a thought: since you are a first time Yorkie owner you might look into adopting a puppy or an older one from a rescue organisation. Those babies are always already spayed/neutered, health monitored, vaccinated, mostly house broken and the foster parents can tell you about there likes and dislikes. You would also not have to worry about somebody trying to pull a scam on you and above all you would give a poor homeless baby the chance of a new life...
