That's interesting for sure I have never tried to have three I have considered it though. Then I have a "lets get real" talk! Its not the dog care that frightens me its the Vet care! I have had some tremendous refinance the house kind of Vet bills so I would be leery of that. I would love having 3 dogs though I am happiest when I am around my dogs. I have few human friends so that's ok I trust my dogs a whole lot more anyway! Plus the friends that I do have don't understand why I don't want to go places or away and its because of the dogs my dogs have never been boarded I just know no one would take care of them the way I do. They are so special to me and yes I have them in my bed too! They don't crowd too bad but sometimes there is a struggle for covers. I have a friend who has 3 boxers they are kinda pack like though she has a male and female and their daughter dog but the male seems to be in charge. My dogs see me as the leader of the house they always look to me first if something is going on they don't understand.
Our dogs look to us as well if something is concerning or scary to them.
I understand your concern for the vet costs. We use Banfield for them so that helps. I've looked at insurance in the past and may regret not getting it someday... They are starting to get to the point where they do cost more with their lumps and things. I expect as they get older they'll continue to cost us more. I hope we don't have any mass costs...but also know it's a risk.
We boarded our older two twice when they were younger, but now if we have to go somewhere we use Rover and have someone come feed them so they can stay home. We aren't gone overnight or for long periods often so we don't have to leave them with someone else or alone for hours. They are a big commitment for sure and I'll be a mess when we lose them. For now they have a happy spoiled life and they will until we have to let them go. I hope to be there for that too.....and dread it.