I think a lot of your concerns may be irrelevant. It all depends upon what size and type of mh you have (which you didn't indicate). The smaller the mh, the more a toad will affect the driving characteristics of it. With most DPs (36 and above), you won't even know the toad is back there and as mentioned above, it will follow within the tracks of the mh. With smaller motor homes, the toad can become more prevalent and may require more input from the driver. Be aware that smaller motor homes do have a towing limit that can require only the very smallest of toads to be towed.
Having the toad equipped with brakes will take care of your concern with stopping. Actually, a mh towing a toad with supplemental brakes, will stop quicker and in a shorter distance than a mh without a toad.
IMO, the only negative aspects of a toad is one, you can't back up with it attached and two, you have more overall length to your rig and you need to be aware of this when merging, changing lanes, etc.
I think she will do just fine. There will be an adjustment period, but won't take her long to get the hang of it.
Good luck
Ron