first time mini dachshund owner and ive been told three completely different things about whether ramps actually prevent IVDD or if its mostly genetics and im trying to figure out what the actual evidence says before mira is big enough to hurt herself

Mira is 10 weeks, a 4 pound mini dachshund from a breeder who does x-ray screening on her dogs. We got her on saturday and she has spent the last week trying to launch herself off the couch every time the front doorbell rings, which is on average four times a day because we live near a busy delivery route. I have caught her mid jump twice and im starting to lose sleep about this because the IVDD horror stories on the breed forums are everywhere and the cost numbers people quote are in the $6000 to $9000 range for spinal surgery.

So i started doing the research and im getting three completely different answers. Answer one (from a pet store employee and the AKC website) is that ramps and gates are essential, dachshunds should never jump off anything higher than 4 inches, and you need to baby proof your house top to bottom before they hurt themselves. Answer two (from a vet at a corporate clinic we saw for her first checkup) is that ramps help but most IVDD is genetic and the dachshund breed has structural issues that no amount of management really overcomes, so you should mostly hope for the best and have pet insurance. Answer three (from the breeder herself, who screens her dogs for IVDD susceptibility) is that the data on ramps and gates is honestly mixed, what matters more is weight management, core strength, and avoiding the specific high impact movements (twisting jumps, stairs at speed, slick floor sprints) rather than blanket prevention of all jumping.

I have spent the last 4 days trying to find the actual research and what i can find suggests that breed genetics is the biggest factor, weight is the second biggest, and the jumping/ramp question is genuinely contested in the veterinary literature with some studies showing benefit from restriction and others showing no effect or even negative effects from over restriction (apparently dogs that never jump may have weaker core muscles which is its own risk factor). But im a first time owner and im not a vet and im worried im going to read the research wrong and pick the wrong approach.

So my actual questions for people who have lived through this. one, do you use ramps and gates with your dachshund and do you think they actually helped, or did your dog still develop IVDD anyway. two, what does the long term core strength training look like for a young dachshund, the breeder mentioned this and the vet did not and i want to understand it better. three, is there anything specific you did at the puppy stage (8 weeks to 6 months) that you think made a real difference one way or the other, because mira is a blank slate right now and i would rather build the right habits in than try to undo bad ones later. four, what is a realistic budget to set aside for a dachshund over a 12 to 15 year life, im seeing numbers that suggest the surgery cost alone could be $7000 and i want to know what the actual probability of needing it is and what insurance is worth getting now