When I jumped into the RV vacation life style I a hard budget and down payment available that I had to stay within. Knew what my loan terms were going to be and did an estimated depreciation scale against the loan. The used coach I found was under valued by the seller and met my budget requirements. Going into our sixth camping season and I'm still above water with the loan to value ratio.
Overall I don't worry about it. As long as the insurance value is enough to cover the loan balance I happy since we decided the coach fits our needs and we don't plan to buy a second for at least another five years. Plus I just got this one the way I want it. Don't feel like starting over.