We traveled for several years with just a 150cc scooter on a rack on the rear of the MH. It worked good for sightseeing if we weren't going lots of miles in a day, but we were at the mercy of whatever the weather happened to be. It was nice knowing we could back up anytime it became necessary, which can't be done without unhooking a toad.
But after a few years, we realized that having a toad allowed us much more flexibility of being able to go longer distances in any weather. Also, getting groceries and other things are much more convenient with a toad.
Try the scooter(motorcycle) thing for a bit. If you don't like it, get a toad.