That's a really positive post Mercedes55, as well as telling it like it is about dog owning. I have two dogs, one is large the other middle sized. Both need grooming 6 weekly, they're insured because their breed = high prey urge = injuries very possible. So your £50 a month can probably be trebled here if I'm honest (which I'm not really, I kid myself they're cheap to run)
There is a largely lovely dog walking community around where we live. The downside is because we have parkland, woodland and resevoirs to walk, it's a magnet for 'professional dog walkers'. Like every other area where people are employed, they're a mixed bunch. Most are very responsible, friendly and skilled at keeping their 6 - 8 dogs under control. I recognise the vans on the various car parks and avoid areas where I know the less paid dog walkers will be.
I've made a number of very good friends through dog walking or training groups.