I've never been concerned about an unrepairable vehicle. Maybe I should? My concerns have only been the time wasted getting things fixed.
I have had to deal with breakdowns on occasion, some creativity, dollars, and a cool head has always managed to get me back on the road.
My friends were about 2,000 miles from home last year when a tire/wheel from another vehicle attacked them. The MH and towed were both disabled so they rented a car and headed back home. When everything was repaired they went back and picked up the rig. Ruined their trip but insurance covered most everything.