It doesn't really seem different than the RV life people live everyday:
Some plan every mile and stopover for an entire trip.
Others just go and travel where they feel like and stop when they need to.
Both types are comfortable with their arrangements.
I guess it is the same with being prepared for unforeseen life situations.
Some want everything planned out and taken care of prior to it happening.
Others will deal with it when it happens.
I doubt that worrying about an RV is top on anyone's priority in a serious health or death situation.