Fantastic question..... it is awesome that you are doing all the research and information finding. Just this reason is why so many end up in rescue/shelters... people jump at buying the cute wrinkled baby and never know what really is all involved.
You do not have to be rich, but willing to spend the money to keep them healthy. The better the food and daily maintenance care... the less likely you will be at the vet. Once you find the right food (could be months of trial and error) you do prevent a lot of the issues with skin, ears, paws... so, even thought a bag of food may be $70... it is high quality so you feed less and the bag will last 5-6 weeks, so you are kind of only paying around $10 a week for food , which if it keeps away vet visits (outside of the normal wellness) it is worth the spend. That said, there are things due to bad/poor breeding or just roll of the dice that you may have to deal with (cherry eye, tail amputation, palate reduction, nares widen, enthropian).
Pet insurance is great if you get the plan as soon as you get a puppy and there is no medical history.... most companies do not cover any pre-existing conditions and some consider a conversation with your vet for information as pre-existing. Based on that, what we have done for the past 12 yrs, is have a credit card just for the pups and it is used only for emergency vet bills (surgery, ER trips, etc.).
one big piece to keep in mind... these babies give so much love they are more than worth their weight in gold
hope that helps