Usually these costs are including education and childcare. In the US you can easily expect to pay around $1K / Month for full time child care between the ages of 6 months and 5 years (when they’ll start public school). Here’s a recent summary for major cities in Texas reflecting that amount: https://tootris.com/edu/blog/parents/child-care-in-texas-can-cost-up-to-10000/
That’s over $40K just in childcare costs before entering school. Now, many people don’t have to pay this because they have family (or a non-working spouse) who assist; but from a cost perspective it’s fair to include.
Add on to that food, clothing and such… between ages it’s easy to see how some estimates can reach over $200K through age 18.
Use a secret manager?
Cert is a secret, add a small agent to your containers that pings your secret manager and gets back the current cert. Then saves / imports it (or whatever is appropriate).