I'd just get a Cav or Poodle from health tested parents.
I've got a Cav (she's not 2 yet) from health tested parents and she's an absolute dream. I see a lot of cav/cockerpoo mixes on walks and most of them are crackers. One of the owners said she loves hers to bits but wouldn't have another.
My dog costs me an absolute fortune but she doesn't need to I just spoil her. 🤣 my unavoidable monthly expenses are
£47 Petplan insurance
£18 vet package but this includes all wormer/flea treatments, her annual booster including kennel cough, 2 free consultations a year and some other stuff.
£50 for a 6kg bag of dog food but I'm not sure how long this lasts but at least 2.5months.
I buy toys, treats and JR Pate for training on top of this and I only give her good quality natural treats so works out expensive but I try to buy in bulk. She's does love things like raw carrots and broccoli as well. Obviously these are optional expenses. I also get her groomed every 2 months at £42 again not compulsory because she has a smooth coat.
It costs a lot getting everything you need to bring the puppy home, collar/lead/harness, bed/blankets, toys, treats, bowls and maybe a crate. Then you have to factor in the first vaccinations and if your local vet doesn't do the same ones as the breeders vet then it'll cost more. You are probably more likely to make more trips to the vets in the first year or 2 as well because puppies generally eat things they shouldn't or injure themselves charging about.