For our budget we have to have just 02 or 03 to provide them an excellent education.
And also have just one couple if possible for the rest of the life to avoid illness.

I think you better start getting more info with some deeper conversations than you have been. Better know all the details now, than later. Better get it worked out, rather than to blindly get deeper. Just saying gather enough facts to make a good decision for yourself.

Yes, I'm gathering all the possible data to make my mind in the coming months will make a decision.