It is so hard to spoil a new owners pleasure in their new pet when they have bonded with it.
I do think that for the dog's sake, knowing of many instances where cavalier owners felt they could not afford to have health problems investigated, I would mention insurance by just saying how expensive vet fees are and how every dog owner needs to have insurance cover these days.
Cavaliers......Faith, The Ginger Tank and Woody.
Japanese Chins.... Dandy, Benny, Bridgette and Hana.
Remembered with love......... Tommy Tuppence and Fonzi