Your not stupid nor is it a stupid question, but a very personal question requiring an individual response. To start, what is the interest rate? What will you be able to do with the money not being spent on the RV when the payments are kept to a minimum? And remember, if you find your economic situation improves greatly or unexpectedly, you can always pay down the loan early. Just one example..by taking a 15 year loan you maintain extra cash on hand for the children's college.
Talking with a good financial advisor is sometimes useful...not the guy offering you the loan, but your accountant, you broker, or a learned friend. Let someone take the role of devil's advocate, and come to the best solution for your situation. If you already signed for the loan, no real problem, you can always refi.
Happy Trails.
