Montrose Dog Beach is the sole legal off-leash beach on Chicago's lakefront, and it is a Dog Friendly Area, which means the permit applies. For a breed described in its own standard as carrying a water-resistant coat — a working trait, not a cosmetic one — that is a fairly direct statement: swimming in this city runs through an annual administrative process.
The process itself is not onerous. A vet completes a form covering rabies and distemper vaccination and neuter status, you pay a per-dog annual fee, and a tag arrives. Cook County separately requires an annual rabies tag through a licensed veterinarian. None of it is expensive individually. What matters is that it is a hard requirement rather than an optional nicety, and it lapses quietly every year unless someone remembers.
Budget it as a real recurring line, alongside the vet visit that produces it. The genuine failure mode is not the money — it is turning up at Montrose in June and discovering last year's tag expired in March.