Interesting...I didn't read all the replies, but from what I skimmed it appears to lean toward +toad.
We have a 25'9" Class C. Our style of travel, at the moment, is ~3 week loop trips covering a lot of miles where we rarely stay in one place more than 2-3 nights. There's usually plenty nearby to explore in the state/national parks such that we don't always need to drive somewhere to do things. Also, it's just not that hard to drive out of camp, even if we have hookups. We don't tend to set up a huge "camp" unless we plan to be there a while, so we stay quite mobile. We grab groceries on the way to the next stop - sometimes a meal, too. It's been great! We feel like we can go anywhere with the RV and pretty much park in a normal parking spot (two in a row or one with overhang over grass).
We also now have a toad. We hadn't thought about it until meeting some people towing a Geo Tracker (my dream car as a teenager :) ). DH decided it would be a nice option. I agreed that for trips where we would stay in one area and explore (including light/medium 4x4 roads), it would be nice. So, we got a 1996 2-door RAV4 (bummer...no Tracker for me!) and set it up to tow about 4+ years after buying the RV. It's been easy to drag around and handy when wanted.
I think deciding whether to bring the toad with us will be a trip by trip decision, depending on where we're going and what we plan to do. Having the option can be nice, but I really didn't feel like I was missing anything pre-toad. In fact, I loved having the RV at the trailhead or wherever else - having your whole house everywhere can be really convenient! Especially when traveling with dogs or getting caught in rainstorms. :)