We got a puppy two years ago. My SO took two weeks off work to help, I wasn't working at the time so that was great.
We had a pen set up in the office with linoleum underneath so that if he had accidents, it wasn't on the hardwood. He slept there as a puppy until he was housetrained, about 9 months old - where we could really trust him. He had a crate with cosy blankets and he loved it. He isn't allowed to sleep in our bed. As much as we love him, we are the ones in charge and he does not get the run of the house. He also isn't allowed on our expensive sofas. Obviously, that comes down to each individual owner as to if they want to be as strict. We take a lot of pride in our furniture so that is why. He has plenty of comfy memory foam beds to lie on. Haha.
When it came to house training, we literally took him out to the bathroom every 30 minutes, in the beginning, this resulted in minimal accidents. He never pooped in the house as a puppy, something people often have issues with. (He's pooped once as an adult but it was an upset stomach). It is really hard work but consistency is key. If he pees in the house, don't yell at him as he won't know what he did wrong, especially if you see it long after he did it. Instead, as soon as it happens or as soon as you see it, take him outside and make sure he pees there. They understand it fairly quickly BUT it takes a while for them to be able to hold a full bladder.
We never had any issue with him chewing furniture, etc. If he went to bite us, we would distract him with a bone or a toy, and he forgot about it.
He went through a phase of barking, and it was clear he was just testing the boundaries. We would ignore it. He then stopped as he wasn't getting attention for it.
We do not have pet insurance for him. We looked into it but because of his breed, it was going to cost more for his insurance than ours which is insane. He has had some medical procedures which we paid for out of pocket, and they would not have been covered anyway. Again, up to each individual owner though.