Most of your issues with toyhaulers can be addressed, except for the paid for aspect.
1. They are not necessarily more expensive than a comparable equipped 5th wheeler. Just depends.
2. They are not necessarily heavier than a 5th wheel of comparable length, unless you have the toys onboard. And with what you're considering, you're really worried about weight? :)
3. Yes, sleeping and living space can compromised when the toys are loaded depending on the number of people sleeping in the trailer, but most of your time will be with the toys unloaded, so it's arguable that it's not as important as it would seem.
4. The garage will only smell of fuel and oil if you're sloppy and slosh the stuff around. Our toyhauler never smells of fuel or oil.
5. Our garage is very nicely fitted for when the toys are out:
, granted we can only haul two bikes.
6. Can't argue that the toyhaulers can be longer, but you're talking substantial length on yours if you don't pull the bikes out, plus while a toyhauler may be longer, it's much more convenient.
7. I suppose it's possible for the rear door/ramp to be an issue, that's not a really common problem on most toyhaulers.
