I live in a town in a small house with no garden and love having a dog. I cannot imagine life without one. however I grew up with dogs. I think it depends upon what sort of person you are.
Your dog needs walking every day, regardless of rain, hail, sleet, snow. My routine with my dog is all off kilter atm, because of the heat. Which is a pain in the arse and tiring. He cannot cope in the heat, so he bouncing of the walls all day waiting for his walk, which is having to be done in the evening once it is a bit cooler, when I am tired and usually relaxing. But I wouldn't consider not having a dog because of this.
Training has gone as far as I think we are able alone and he is getting along a lot better with other dogs, which means he can now attend obedience classes. Which also means an end to lazy Sunday mornings in bed.
There is constantly dog hair and bits of chewed up bones/dog toys all over the house.
If I wash his bed he wee's on it. Be aware of the weeing and pooing issue. Puppies will shit and piss all over you house, until they are house trained. Which depending on the dog/training method could take days or months. Once you think you are over that, remember they will get old and may become incontinent. Ergo, the shitting and pissing starts again. Many male dogs deal with change/stress by pissing all over the place.
Vets are expensive. Even with insurance there are still vaccines, wormers, flea treatments and dental checks to pay for.
If you get a black dog you never can never wear white, vice versa for white dogs.
They are bloody hard work.
If you can read all that and you still think you would like one, then I think you should get one.