IMHO, what you should do is based upon what does "RV'ing mean to you"? IAW, your "philosophy of RV'ing". For us an RV is for exploring places other than where we live in a mobile vehicle, in as simple a way as possible, combined with more comfort than tenting or popuping.
Summing this up for us meant a Class C that was small enough for no-towing simplicity, while also providing access to about any size camping spot and being fully self-contained enough for at least 4-5 days of heated and air-conditioned comfort, including showers and good sleeping provisions - with or without hookups. For us a Class A is too large and complex to maintain, A Class B/B+ is too small for basic sleeping and bad weather living comfort. A TC is too high to get into and too small to be comfortable once you get up there. A TT or 5'er is too large, too complex, and when underway can get too dangerous too quickly in unexpected roadway and weather conditions.
We chose a 24 foot wide body, slide-less, toad-less, Class C with generous tanks and a quiet generator on a simple to maintain and very stable Ford E450 chassis. This matches our "philosophy of RV'ing" to a tee. We can stay at RV resorts, use small NFS campgrounds, or come nightfall when we're out in the middle of nowhere exploring ... camp off-road right there without having to drive a towed vehicle back to some other place where the coach is parked.
FWIW, as far as going into debt is concerned to acquire an RV ... being debt-less should not be the goal. Having assets well in excess of indebtedness should be the goal. We opened a mortgage on our house to buy our RV, new. However the equity in our home was way above the loan size and the cheapest money is usually mortgage money.