Quint da Man, I'll just throw this out. If you are not going to retire until eight years from now, why not just keep what you have and SAVE, SAVE, SAVE...........pay cash for a new/used unit at retirement.
At that time, you will probably have a very good idea what you would like to full-time in. You never know, things could change over the years and you may decide not RV anymore.
I know it's not always in the cards, but having 'payments' on anything after retirement is best to avoid. Let ALL the money be for you as you can control your spending depending on incoming funds.
Good luck,
MM.
