Yankeeslover - You sound a lot like me. I am terrified of debt. (I should tell you how I handle electric and gas bills if you want a good laugh!) We financed our small 5th wheel for 15 years, only because I was afraid of what would happen if we could not make big payments. We put a lot down on it, and I paid it off in a little over 2 years because we were financially in a position to do that, but I understand your concern. I agree with someone who said that if you want to, make double principal payments when possible if that makes you feel better. We are all different, we all have different financial issues so there is not one way that works for all. Enjoy your RV and the memories you will make.
