Bought a used 03 BT Cruiser (21 foot). The PO did something to the back ladder and it is seriously messed up. Kind of looks like he hit something horizontal towards the top and the bottom. Who know...
It's a rare camping trip when I don't end up having some reason to want or need to be on the roof for some reason, be it to sweep off leaves and pine needles, remove a stick, check a vent cover, or whatever. I would not care to be without the built-in ladder if I could help it.
Of course, the cost of replacement may make it a moot question.