SE Financial RV Financing Experiences (or other)

I just can't resist lecturing a little. Do you really plan to finance an RV for 12 years? Bad idea. The depreciation of the RV will out pace your balance reduction early on and you will have a major upside-down loan so that if you sell or total it you will have a big loan balance left. No one should make that kind of loan to you for your protection and theirs. Ok, I'm done so you can all hate me and tell me it's none of my business.