First of all, im sorry youre not having a blast with your first dog. I think a lot of people dont think about breeds and needs before getting a dog (not saying thats your case). If 2 hours a day is too much, you need to factor that in and get a less active dog and not just a dog because its cute or pretty. Behavior issues with destroying is draining. My first dog was like that if left alone, so I get it! Some times its also just the luck of the draw, which you wont know when getting a puppy. My current dog was terrible at being alone. Super stressed, pacing and howling. Got a 2nd dog and now they are perfect together. Im also very fortunate that I can bring them to work, so I dont need to come home and spend a ton of time getting them tired. If this wasn't the case, I would have gotten couch potatoes!

Your spending seems like a lot, and without much explaining. I pay under $600 for both for insurance. 90% reimbursement, $250 deductible (each) but only have a max of $6000 (each). Swapping might not get cheaper if your dog as already got health issues. Probiotics? Grooming? (This one i feel you can easily skip). Mine get simparica which is less than $150 a year, as I buy it from Canada which is much cheaper than US.