I believe one should always have a plan,I have met many people who elected to just let things happen. For many of them things didn't workout. Most RVers who full-time are generally retirement age and as such prone to dealing with health issues from time to time. I frequently say we are one health issue away from being forced off the road. The rub is you don't know when it will occur! So my wife and I have had an escape plan ready from the first day we hit the road. So my advice is to plan for your days on the road as well as the day you may have to leave the road.