I’m currently on the waiting list for a particular breed and have been for almost a year, and did a lot of research before deciding on this breed. This will be our first dog and so I’m obviously the voice of inexperience (!) but I wouldn’t choose most of the breeds you’ve chosen in your circumstances, sorry.
If you’re looking at cockerpoos, French bulldogs, and other ‘designer’ breeds you’re opening yourself up to puppy farmers and backyard breeders and that’s a world of unknown - especially for animal welfare and breed testing. Again this is a voice of inexperience but I understand they can be difficult to spot at times.
Every schnauzer I’ve met likes the sound of its own voice. My neighbour has a schnauzer x poodle and it’s the loudest, highly strung dog I’ve ever met! Apart from my friend’s beagle maybe.
I love Cavs but their health problems are a massive concern. You’d need to choose a breeder very carefully and make sure there was good health testing in place going back through generations and from what I understand, that’s rare and hard to find.
I think I’d start again and work backwards from what commitment you can give to find a breed that suits your lifestyle, considering all factors including vets visits and bills (especially if the breed is known to have health issues), grooming / fur shed as well as exercise time, training etc.
Good luck with whatever you choose.