We went from a 40' Dynasty to our present 45' Executive. We are in our 8th yr full timing and have visited almost every State in the Union. Yes, we plan ahead but have not had too many issues fitting in any campground, State, Federal, BLM, County, City etc. You sometimes have to call to verify but even California has room for us. If you look at their State Parks maps, you'll be disappointed but a call to the ranger station will assure you their maps are about 10 yrs old and not accurate. Most anywhere you've put your 40' you can put the 45.
As for the coach, the tag will impress you and your journey will be more relaxed and enjoyable. The extra CCC more than makes up for the loss of one small compartment. Monaco makes their tags liftable from the cockpit and also makes them operator adjustable. This means by lifting the tag your turning radius is the same as a 40', just watch the tail swing. Also by being able to adjust the tag axle weight, you can adjust the steer axle as well. Very important as the heavier your tag the heavier your steer and vis versa. IMO, a tag is a must have for me.....Dennis