Wow - I am late to the party here.
My first response when reading the OPs first post was, "If you want a lap dog, you don't want a Yorkie."
However, as I read all the replies and thought about it for 4 pages (

), it is so true - you just don't know. You can find a breeder that can attest to the temperment of the parents and angle for a low key Yorkie. From what I've researched and learned on here, some are cuddlers and most are NOT yappers unless the right situation presents itself. I've never had ANY breed that didn't have a barking trigger, btw
They are terriers. That's just what they are so as a rule (and exceptions to rules exist in all of nature), they are independent (not lap dogs) and stubborn (man, is mine the hardest ever to potty train lol)...but they are smart and just have some quality that all of us are trying to put into words but is impossible.
I had a Pom. She had barking triggers but she was definitely a lap dog. I don't know anything about a havanese. I think from my researching for dogs over the years, you will be lucky to find everything you want on a checklist in one dog breed. Good lap dogs are pekignese and a king charles cavalier (although, definitely not a "purse" dog lol).
I originally wanted a Yorkie because I loved their beautiful show coats in the dog shows and I thought I could handle the size easier than my 70 lb boy (he's a handful lol). What I wasn't prepared for was that..."Quality". It's something that just grabs you by the heart when you aren't even looking. I've had so many dogs and one that I always refer to as "my heart dog." But until my Yorkie, even though I loved them all as if they were my kids (since I don't have kids), my world never revolved around my dog. It totally took me by surprise...and it's amazing!!!!
You'll be happy with your decision no matter what you choose because you are researching. Great job! Happy hunting!