I'm not sure if the toy haulers will handle a VW (someone feel free to correct me). Most are geared towards golf cart/motor cycle/ATV. One big enough to handle a car would definetly put you in dually 1 ton territory.
Now if you drop the VW/toy hauler, you move into the 30' range (equivilent to a 35' MH) and 3/4 ton trucks are a reasonable option for most. Once you've driven them a bit, they really aren't a problem and any fuel savings driving around town are usualy made up for with better fuel economy towing.
- This assumes you actuall move on a regular basis but if you are parked for months at a time that is hard on the MH drivetrain not being used anyway.
For costs, it's hard to beat the 5er. Unless you have medical issues where the co-pilot absolutely needs to be able to leave the seat at any moment or you absolutely refuse to drive a pickup around town, there isn't a lot of advantage with a MH that is towing a car.