So, first of all, nobody pumped anything into my behind either, especially not 200K,
and yes, I think everyone has to find the right way for themselves and you shouldn't generalize from your own situation and say, because we do it this way (can), everyone has to do it.
BUT: If you have the possibility to provide for your child's future instead of spending the money, then I find that quite commendable and right.
For example, we have set aside the child benefit or 200€ of it for our child every month since birth and have had a savings plan running with 150€ for some time now. By the age of 4, with gifts for the baptism, birthdays, and so on, a proud 15K has already accumulated. The whole thing is supposed to continue very much like this until at least the 18th birthday, as long as we can afford it, and sooner or later it should add up to a six-figure sum.
Why do we do this?!
1.) I expect that over time some wishes from the child will come up that will exceed what we are willing to invest. Then we have the option to say, for example, we think a bike for 500€ is enough. But if it should be the model xyz, which might cost 800€, then she has to cover the extra cost from her own money.
2.) Driving license and first car should no longer be a problem and can be paid for by the child themselves.
3.) If the child should perhaps study someday, they can mostly pay for it from their own assets and do not have to rely on something like Bafög, which is then available to others who really need it, and won't be a burden on society.
3.) It is great if you can make life a little easier for your child, especially in today's times. And maybe this will enable future generations to rise from the former lower middle class to the upper class. That certainly works easier and faster with a certain inherited base. I don't see what's wrong with that or why anyone should "break up" because of it.
The fact is: children cost money and should be worth it to you.
How much they ultimately cost is very individual and depends on many factors. For example, if you have a source in the family from which you get a lot of suitable clothes as gifts, it is cheaper than if you have to buy everything somewhere, even at a bazaar, it still costs more than getting it for free. It also depends on whether it is an only child or maybe the only grandchild of the grandparents. You can assume that in that case you get significantly more support than if there are 15 grandchildren in the family. Last but not least, it also depends on the child's character, whether they are rather content or always have to have everything. That, in turn, also depends on things like upbringing and affection experienced or the circles you move in. This list of examples can be extended endlessly.
On the subject of shoes: I find it very important to get proper advice and to determine the correct sizes exactly. I would find it terrible if my child later had totally crooked feet, toes, or who knows what, just because they always wore shoes that were too small or too narrow. The child especially in the early years will not be able to properly communicate that the shoes do not fit and maybe damage has already been done. Therefore, it would never occur to me to buy any shoes from Aldi just because the supposedly right size is on them, nor would I buy used shoes that have obviously been worn several times and whose soles are perhaps already worn out. Not everyone can afford that, because the shoes may cost 50-70€ every few months, but that is worth my child's health to me, and feet count as well.
Well, enough of the off-topic.
To the OP, I can only say that I find it a bit tight but only because the costs have exploded so much. If you had presented the same plan two years ago with 1,XX interest rates and even with a lower income, I would have seen it as very comfortable. I find the 1800€ already quite sporty. In comparison, we have a 1200€ installment and manage very well with less income than you have. But with you, there are unfortunately still a few question marks and you also repay much less with 1800€ than we do with 1200€. You can certainly do it, but it will require quite a bit of sacrifice.
And paying for the driving license or child support when Bafög is not possible/necessary is different for me than saying you give the child x thousand euros as a gift to start with.
My parents also had to pay support for 2 years, and there was some contribution for the driving license, but I wouldn't now claim they gifted me 600 euros x 24 plus 1000 euros = 15,400 euros... I guess it's a matter of how you define/see it.