@1
I’m not sure where you live- which is a huge factor… but where I live- in a large frum NY community- making $200k+ is not nearly enough to pay for full tuition if you have several kids (as I do)… in that tax bracket you are paying $20k+ a year for health insurance and after taxes and some tzedakah that leaves about $12k a month- split that 3 ways equally between modest housing (yes I have 7 kids in a 3 bedroom house) and your at about $4k allotment per child- a far cry from the $10-14k of full tuition in this neighborhood per child.
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