I bought my first RV a year ago knowing nothing about motorhomes - a Class C Four Winds. I've but 7000 miles on it and like it fine but, if I had to do it over again, I would have bought a trailer for all the reasons you stated. Yes, I would also have had to buy a truck but I think it would have been worth it. It's a pain to rent a car and often there's not a car rental place within 25 miles of the RV park and/or they're not open when I need to pickup or return. I've been quoted up to $5K to have my car and MH set up to flat tow the car and I think that's way too much. I've also looked at aluminum trailers (car haulers) but they're also expensive.
So, in my opinion, got with the trailer.
Good luck.