Here's my take, coming mostly from my philosophy on cars/trucks and the fact that I'm asking the same question about a future purchase of a TT/5r/Class C (still in evaluation mode).
I prefer late model used vehicles for the usual reasons of depreciation, etc. As one poster stated with RVs, I could buy a fully loaded F-150 with 50k miles for less than a new modestly equipped version. But part of that process, was that it really isn't hard to find a fully loaded used F-150 so the only thing I sacrificed is new features from the latest version. Looking to upgrade the wife's daily driver right now and we want features that are hard to find like V-6/AWS on crossovers. We may buy new to get the features we want.
I could see buying a new RV if that is the only way to get the features that I consider necessary. But I do that knowing it's not the best financial decision. I wouldn't go new if I was having to finance for 15 years. If you are buying new, you at least need to get ahead of the depreciation curve. I wouldn't finance a new car at more than 10% down and 3 years. I haven't established personal criteria for an RV yet but maybe 10% down and 7 years?
It's a personal decision. I like living life with margin for error rather than on the margin where I can behind the curve quickly. Ideally, I don't like debt at all but as you noted, interest rates have been so low that I will consider it.
