2oldman vs Old-Biscuit. You are both correct! It all depends upon one's personal convenience, if and when anyone wants to break camp or not, and the size of your tanks. If you have a 25 gallon gray and a 25 gallon black tank and have 4 in the camper, you won't want to be breaking camp every day and going through all the processes 2oldmen has to go through. (I fall into that same category, except mine's a TT, not a 5er.). If I had larger holding tanks, then yes, Old-Biscuit's way would be the perfected way. If we had 125 gallon holding tanks, we'd never have to use a tote. We very seldom, (if ever) stay more than 6 nights at any one location. 125 gallon tanks would hold us for a month! So, it's really a matter of big your tanks are in the end.
Still, if you're going to get a tote, you still want the biggest you can get (and afford). It just saves a lot of hassle.