I think this should make for an interesting discussion.
In addition to a jack and lug wrench, I think you might need an electric impact wrench to get the lugs loose......or a LONG breaker bar.
I haven't convinced myself that I would be better off changing the tire myself than I would be "limping" to the next exit or waiting for help if there is no cell service. Of course, you can't really move at all with a flat front.
Part of my consideration is the size and weight of the tire/wheel and the fact that my spare is UNDER the RV......and that they torque those lugs down VERY tight.