Seems like a pretty good list.
One minor addition, that you may not have to deal with since you're getting a kitten, is that cats respond best to positive reinforcement and when they misbehave you want to avoid getting them all riled up and going mano-a-mano as it'll just make them think you are playing.
I adopted a stray from the humane society and she had some terrible habits of playing rough. I looked like a hardcore emo cutter for the first few months. After I learned to give her a timeout every time she bit or scratched me, things improved quickly. I also made an effort to never over react when she misbehaved as it often led her to think we were playing and all was cool. I would also give her treats when she acted nicely and behaved well.
Alas, I have not been able to get her to overcome her hatred of paw touching or more than the slightest of belly rubs. She's insanely protective and it means I can't trim her nails and trips to the vet can be dicey. And she's way better than when I got her but I don't think she'll ever come around.
Long story short, definitely work on behavior and the advice to get her used to you touching her paws and belly etc.
For insurance, I didn't go for it. Too many stories from friends that they got screwed and insurance covered very little or nothing. As others have mentioned the vet/pet industry is pretty much unregulated in Canada and leaves a whole lot to be desired, especially as we become more and more pet (dog) obsessed.
I just have some savings. She gets sick, I'll spend it. Costs more than my savings and I'll have some tough choices to make. I hate to place a dollar value on my cats life but there is a point where my affection for her is outweighed by common sense and my financial responsibilities.
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