GinChin, one point they're trying to make is that pet store chinchillas should never be bred. Period.
A decent breeder isn't only going to give you a good quality animal, but they are also going to be able to tell you their background. Their parents (excellent for knowing color genes of course), the health, etc.
When you bought your female from the pet store, they probably did not give you the breeder info, right?
The female has an unknown background. She could have anything in her lines, and pop up with problems at anytime. Not saying any chin couldn't pop up with something horrible like malo, but we take a greater risk with those with an unknown history.
Not only are you risking her, but it's also not fair to put future families of the future kits in a position to take on whatever problems you may breed on. If she passed on disease that could have been avoided, that's going to reflect on you as well. What if you become that 'byb' that sells sick animals? What if you can't recover your name when you do 'get serious' or 'get passionate'?
This is the same reason we don't breed dogs, cats, or other animals when we adopt them from the shelter or rescues.
If you're worried about the money you just spent on the female, could you find a pet home for her and then get a good breeding animal to start fresh - and correctly?
Find a good breeder in your area (I'm sure someone could make a recommendation) that could mentor you? Maybe pick out a good female for you? Show you the fur, shape, size, and colors of their show/quality/breeding animals?
You need to learn basics like pairing animals that compliment one anothers faults in order to hopefully produce better offspring. Just because two animals 'look nice', doesn't mean they would make a productive pair.
I'm not a breeder...I've only done a lot of research.
I got sucked into the rescue side of the chin world, but
we have some amazing breeders on this board that are talking to you right now. They know their stuff, and I would listen to them.
No one is being ugly, and I hope you never take it such a manner.
We all care about the animals - everyone here has strong passion that they will show.