Seems to me that towing a small vehicle behind a motorhome has many of the inconveniences in maneuvering etc., as in towing a small TT. You can rent a car occasionally when/if you really need one for touring places like NYC or Boston and leave your motorhome at the RV park. A medium sized motorhome can be disconnected from electrical and water and be driven off for shopping, going to local restaurants, etc. A 27-28 footer, without a toad, can be parked in most malls, parking lots, tourist attractions, etc. If you can't sit still, or do social camping and enjoy riding around with friends, a toad might be "needed"
