As my wife looks for a used class A on line, she notices when she finds 1 she likes they have example of monthl payments. Is this a good starting point or ignore this completley.
No a monthly payment is not a starting point for purchasing an RV, or anything for that matter.
The dealer can just extend the length of time on the loan to something you can afford. This could end you up in a contract for 20 years to pay off an RV that depreciated to almost nothing in value 10 years ago.