I bought a year and a half into retirement, 9 years ago. By model year, a 2004 is now more than ten years old, and I don't worry about ten year rules.
If you are thinking of going into luxury RV resorts, or long term stays, you might encounter problems with that policy.
If you are thinking about full timing in retirement, with only occasional RV use until, you might find that what works now might not so well suit your needs later, as life circumstances change. If I were going FT now, alone, I might be better off with a smaller high quality towable, rather than the "sleeps 6 to 8" motorhome my wife and I bought thinking of 1-4 week road trips with extended family.
I'm in a RV club that includes people who have been doing this for a long time, some for as long as 50 years, and except for one who bought right at retirement and used it the kast 15 years of his life, most have gone through 2 or 3, some as many as 5, RVs of different types as life circumstances changed. Retirement can be a pretty big change. Going full time is definitely a big change.
