I've actually only had one dew claw problem, and it was a rear dew claw which was caught and partly torn.
I know people that have had their dogs catch them on something, and tear them. Especially hunting dogs.
Dew claws cons include having to clip the nails there regularly, as the nails grow unchecked, and into a circle if forgotten, since they don't get worn down. Also, the possibility of them being torn, etc.
And, yes, how loose they feel is a consideration. The looser they are, the more trouble they have the potential to be.
On the other hand, house dogs, vs. dogs who run in fields, hunt, climb over downed logs, (that last is how my one dog tore his.) etc. have less chance of catching them than their more athletic, outdoor brethren.
Cost-wise, if you don't want to fool with it, the best time to deal with it, is during her spay, since you're already paying for the anesthesia. You'll never have to think about it again.
In your shoes, and for rear dew claws, I would probably have them done during her spay. Even if they never caught on anything, the clipping can be a pain, or forgotten.
Jet, later in his life, had a nail that kept trying to grow closed, and it was not easy to deal with regularly.
Please let us know what you decide.
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