Yes you pick up everywhere it is safe to do so.
Yes to insurance - Pet Plan are best in that they almost never refuse a claim and they pay directly to the vets (most offer this, however many vets won't accept direct payments from other insurers. This can be a BIG deal if you need a specialist, who will charge you £400 to walk through the door!).
As for owning dog...
Do not think 'what dog can I cause to fit my lifestyle..'
Instead, first of all think 'what areas of my lifestyle will I compromise or sacrifice, to own a dog.
Once you have that sorted, THEN think about which breed or type will fit what you can then offer.
Forget about the appearance of the dog - first think about breed traits, exercise requirements, behaviour etc.
If a dog who hangs off your every word and wants constant instruction will annoy, then no matter how beautiful a Border Collie is, it's not for you.
If a dog who ignores you and asks 'whats in it for me then?' whenever you ask it to do anything, would piss you off, then no matter how gorgeous an Afghan hound is, it's not for you.
To a certain extent how you raise a dog will influence how it behaves, however I earn a LOT of my income from people who have chosen dogs that absolutely do not fit their lifestyle family or home, and then call me in to fix the behaviour problems that arise as a result of this!
Finally, if you wish to avoid lining the pockets of behaviourists and trainers, and then sending a dog back to the breeder or rescue...
Get some decent books on dogs and read them FIRST.
Look for titles by:
Steve Mann
Tony Cruse
Carolyn Menteith
Jane Killion
John Bradshaw
That will set you up with sufficient knowledge to do it right or not do it at all.