How very intuitive of her that she notices that a discount like that isn't really a discount because it forces you to spend more money. It's crazy the number of people who don't see it like that and how they continue to spend themselves into debt. Dogs are a lot of money, but they are so worth it. I would have spent a ton more on our dog if it made sense to prolong her life.
The breeders here charge a lot, but there are a lot of things they have to do to ensure maximum health. People (generally) look after their dogs very well here and they are pretty much all coming from licensed breeders. Our mother dog had to have x-rays to ensure the back was okay, and then an ultrasound for the puppies. It is pretty expensive to be a breeder too.
There are so many rescue dogs over here that need good homes it's hard for me to justify ever paying a breeder. Most everyone in our family that has a dog got them from breeders though so I understand. I just don't think I could do it myself.