If I were you, I'd keep the 5th wheel and look for a different truck. You have time and the right deal is out there somewhere.
As far as an 03 Monaco - we purchased a 2000 Monaco with 39000 miles when it was 10 years old. The build on the 00 is quality with many options. The F53 chassis and V10 engine has more than enough power and after having it for going on 5 years and fulltiming 4 of those years, we love it. The engine purrs and has never given us a problem All we do is regular maintenence. I do think you will find it lacking in space for 4 people though. We are just 2 and feel crowded when there is a visitor. The 5th wheel is more open and roomy and I think would be better for 4 people.
