I know you are not into CAA plans...but you did ask what others use.
I am with BCAA for their RV Premium. Reason being..I do off pavement wanderings and many plans will not provide that coverage. I also have an extended m/k towing limit, so that I am not paying for that last 50 or 60 miles.
Yes I k now there are plans that cover all vehicles but they don't cover off-pavement or are very limited in distance towed. For the few dollars saved by shopping around...and for all the money I have invested in this thing and continue to invest I want the best ERS plan I can get.
Gary Haupt