I think it is very smart of you to look so thoroughly at this. Kudos to you for thinking four years in advance and what the long-term issue could be even when the shelter/rescue says they will clip the teeth for free for the next four years. (That is really amazing and wonderful). How old is this bunny? How long has he been getting his teeth clipped? Sorry if you already mentioned this somewhere.
I have to agree with the others that malocclusions can come with other issues that can lead to vet bills. Sarita mentioned issues that can happen with the back teeth due to a misalignment. Also known as “spurs” can develop on the molars of the back teeth. They are sharp little points that can grow upward and outward toward the cheek and cause pain and digestive issues. They also have to be monitored. Not all bunnies with misalignment of incisors develop these but it is very common and so it’s something to be aware of as it will cause the very scenario that Sam & Human’s Lady mentioned.
I know it must be very hard to really like a particular bunny, but know that it may cause financial strain in the future. These bunnies are the hardest to adopt for that very reason.
I also double ditto about talking to a rabbit-savvy vet about this.
Keep us updated.
Also, you don’t have to choose a bunny right now…So if you decide that you have to let the dutch go due to understandable financial reasons, and you don’t feel as connected with the lop, then it’s okay to wait. They aren’t the only two bunnies around. Wait a few weeks and ask the shelter/rescue to call you (if possible) if a bunny with a similar demeanor as the dutch comes along.