The Chow runs $120–250 a month at cost level 4/5, with a first year of $1,600–3,000. The Pit Bull is $80–150 at 2/5, with $1,200–2,200.
Some of the Chow's premium is professional grooming, which many owners eventually use for the seasonal blows even if they rake at home the rest of the year. The rest is medical: eye surgery where entropion or distichiasis needs it, glaucoma treatment, lifelong thyroid medication where thyroid disease is diagnosed, and orthopaedic care. Diabetes and stomach cancer sit on the list too, and both are expensive when they occur.
Bloat is the acute risk. Split meals, quiet time around eating, a slow-feeder bowl for a fast eater, and knowing the out-of-hours route in advance.
One further cost that is not a bill: handling. A dog that dislikes being touched by strangers and needs regular grooming, ear checks and eye examinations is a dog that must be taught to accept all of it. Chows that have not had that training end up sedated for routine procedures, which is both expensive and avoidable.
Lifespan is unusually wide at 9 to 15 years against the Pit Bull's 12 to 14, and the spread reflects how much variation the breed carries. Weight, joint care and whether the eyes and thyroid are managed early all move the number.
The honest summary is that the Chow trades exercise for maintenance. An owner who cannot face an hour of walking a day but is happy to spend twenty minutes with a rake three times a week, and who wants a quiet, dignified, undemanding presence in the house, may find it an excellent match. An owner who wants a dog to do things with, or who is hoping to shave the coat in July, should look elsewhere.
And as with any bully-type dog, the Pit Bull's paperwork — tenancy rules and insurance exclusions — should be checked in writing before committing.