You know what? If being in debt bothers you too much to enjoy life, then I recommend avoiding debt (that was me). If debt doesn't bother you all that much, then by all means, borrow away. That's what's great about America - "you pays your money and you takes your chances."
Me, personally: we wanted a camper years before we finally bought a used one for which we paid cash. But, we waited, saved, worried about frivolous spending, and finally bought the trailer in our sig to see if we liked camping. We did, for several years, so we used savings to buy the next (older, affordable) RV.
I could not have enjoyed camping in something if I worried about paying for it every month. (I'd rather camp in a paid-for tent that in a mortgaged RV.) But that's just me - we all have different comfort levels in life, and that was mine. You have yours, and we can all enjoy life in our own way. I've had debt - when I felt I absolutely had to - for a house, a business, a piece of equipment. But I hated it and couldn't wait to be un-shackled from it. Debt is useful - and my opinion is that debt should be used for things that can MAKE you money, not cost you money. But I understand others differ and that's quite ok.
I'd just tell you that the feeling of freedom (and security) from not being a slave to your bills is unlike anything else. I sincerely wish everyone the chance to experience it.
