We financed for 15 with the goal to have it paid off in 7 or less. It may work...it may not. So far so good at a year of double payments but if times ever get tight, I feel my regular payment is affordable to me and I can still enjoy camping. Through our credit union, the rate was the same on an RV no matter if you financed for 5 or 15yrs...it was a no brainer to us to be able to ease up finances if need be. It gives me total control to pay as little (at least minimum payment) or as much as I feel like I can. I just keep the early payoff in mind and strive to achieve that. If you get an income tax refund (unfortunately, we don't), you could apply a extra payments that way. If not, do your best to send a little extra with each payment or as often as you can.
I have seen many rigs on this forum that still seem to be going strong at 10-15 years (or more in some cases), so I don't worry. The most important thing is upkeep/maintenance. Keeping it under cover when not in use will protect the outside (including roof, coloring & decals etc.) from sun and other weather related damage.
