"daveb1256"....Your financial plan is fine and is what most people do when buying an RV. Find best rate, 20% or more down and buy the best RV you can afford.
It always amazes me how many financial wizards there are that live behind keyboards. Not ONE situation is the same. One guy says he always pays cash and drives a $1200.00 RV....wow, what a financial wizard. Another guy says he always pays cash, yet neglects to mention he's 65 years old and sold his house to buy the RV. Another says he paid cash, but waited until he was 70 years old, had paid off everything, but missed out on RVing for 20 years. My favorite....the guy that gives financial advice, but never lists what he owns. Trust me, the very wealthy are not on this website!
EVERYONE's financial situation is different, from wealth, to age, to health. Buy what you can afford and feel comfortable with....no one knows your finances better than you.