I agree 100%. We bought our RV 12 plus years ago now, when we were 50 and 52.
Because we bought it, we used it, starting taking, much more time off. Hiked up and down canyons, took the GD on many trips, so many memories, so much fun. Had we not bought it very sure we would not have done 90% of that. In other words it changed our life. And these last 12 years have been great.
To often I hear, folks say gonna wait till I retire, to often they are to old to sick or dead to do much of anything. Both the DW and I have come down with some knee issues, would we hike those canyons now? Maybe, maybe not. ( somehow, and it came a surprise to us, anyway WE GOT OLD)
And while I am on my soap box, although paying cash for a MH is obviously a great choice, problem is by the time many of us can do it, kids and grandkids are grown up and we are old.
To often, in my opinion people are great at the business of saving money, but very poor at the business of life. And in the business of life the CLOCK IS TICKING,
Others may take a different view point, it is not up to me to judge or comment, on their choices. I can only say what has worked for us