While I fully understand that it can be hard to wait those extra couple of months, surely it's worth it to ensure that you have a well bred pup...
My point is that the well-bred pup you had in mind could have gone by the time you've saved up the money.
I'm not saying for a minute that a higher price necessarily equates to a better bred pup, and there may well be well-bred pups out there at a lower price, I don't see the problem with responsible breeders ensuring they actually cover their costs... and if that means the prices have gone up recently, then so be it.
I don't think it's about covering costs, I think it's about profit margins.
We've been looking for a pup, and one excellent breeder we've met whose stock has wonderful lines, and is tested for everything under the sun; the puppies are well socialised and looked after in the home, and she charges £650. There isn't anything else that could be done for a puppy than she does, so if another one is charging £800 or more, then I am afraid it just has to be about profit.
I honestly don't think that a responsible, honest, reputable breeder looks into 'profit margins'

The welfare, health, whole of the puppies life is uppermost in their mind. I was completely naive before we had a litter, as to how expensive it is to raise the puppies & all the equipment, food, vet bills, health tests, wormers etc. It is 24/7 for a minimum of 9 weeks, not to mention the emotional rollercoaster this entails.

It is also sometimes which area of the country the puppies are, that can have a price difference. Ime the cost of the puppy is often 'guided' by the breed club. If i had never bred a litter i would think £800 is extortiante, but knowing what i know now, it really isn't.