Is a toad necessary with a small motor home?

Downsized from a Sunstar to a Navion 3 years ago. Haven't been out but a couple or few times in it, because of border closure and winter in Canada. The maiden voyage was without our Wrangler as we were still in break in mode, but every trip since, we drag the Jeep along, in case we decide to park somewhere for longer than a day or two. So, it depends on our travel style, if we're touring we might not tow, but if we're headed to a destination for a stayover, we tow.

We have a 26' Class C. We travel Full Time on the road since December 2014.
We do not Tow a car. We generally travel to National Park and Natural areas. For the most part stay away from large cities.
We can break down/set up our site in under 10 minutes so using the RV to get around is easy. Its easy to find parking our rig fits in.
The 1-3 times a year that we need a car, we most often rent from Enterprise. If the campground is located within 10 miles, they pick you up. Pre-covid the cost per day was usually $20-25.00 per day.
Many folks want the freedom to have their car available without breaking down the rig. You may want to try a couple of trips near home to test out what works best for you.

no toad we go where a van can, and lots of places a big rv can,t.

We have a 24ft. Class C and No toad. At 24ft. we can pretty much take it everywhere we would want to go. Also, we can and have used UBER and twice rented a car. Considering the cost of a Toad-Ins, Maintenance, Tires, Etc. compared to an Uber ride(usually about $7.00) to renting a it just isn't worth it to us.

It’s an individual choice. I’ve always taken a toad until I switched to TTs. Hard to explore in a C.

We take our Toad almost always. Shopping, sight seeing, etc.

The same here ... we don't need or want the expense and hassle of dragging a toad along.

With our 24 foot non-slide Class C, not using a toad offers the flexibility to make spur of the moment decisions to camp at spots like this:

It’s surprising the # of Sprinter Vans I see dragging a small car along with them...good for a chuckle. We are at the stage where we’ll setup a dry base camp for a week and explore in the toad. If staying put for more than a week we’ll start out conserving water, otherwise we don’t have to cutback on anything.

I’ll take the shade with the windows open.

There are 2 basic groups of RVers in our opinion. Destinationers and Tourers. Destionationers, drive to a park and plop for the duration. Tourers, may have a particular destination in mind, but generally take longer to get there than the time spent there. We are in the later group. We do not have a toad with our 26' Class C. We do however have e-bikes. We rarely are in any one park more than 3 nights and generally use the e-bikes to tour the park and riding enjoyment. Our sight seeing is mostly between stops.
If we were destinationers, a toad would be of value. If we stay at an area such as Destin, FL or such for any time, we do rent a car though.

We had a Thor 22e and took it cross country 3 times without a toad. We rent an auto when we find the need. We now have a Jayco 26XD and are leaving in early June for a 4 month cross country trip. Massachusetts to the 4 corners region, then poke around out there till we get to Montana then head back. Again no toad. We found all that's needed is to plan ahead. It's just the 2 of us though. I think if we had kids along, a toad would be very handy...