It is nice to hope that the student can go to an instate dental school and save the money, but it doesn’t always work out that way. My daughter’s college roommate is in dental school now and her preferred school choices were her home state’s dental school or one of several in the state where they went to college (for which she would have been instate for tuition purposes). Didn’t get in, so she goes to Tufts. Not a bad backup plan, but a lot more expensive than she or her parents hoped for. I know she had a nice merit plus athletic undergrad package, but if she had paid full price for undergrad her grad school choices might have been a lot more restricted.
I think it is better to plan that grad school may cost a lot and if it doesn’t, great, more money for other kids or grandkids to go to college.