I agree with TenOC on getting a Hensley Arrow hitch for towing a TT for stability. We towed using a Hensley for years and it is very stable, in fact, as stable as towing a fifth wheel. Now, with that said, IMHO, I think you need to take a deep breath and think about this for as long as you need or can (based on the payout of your insurance if there is a timeline). As one other person said, you've been through a harrowing experience. Thank God you are all ok and your insurance did what you purchased it for. You've been extremely fortunate.
If you love the RV lifestyle, then move forward with a new one. As to a towable or a driveable one, that's your decision. Take your time and look at them all. Take them for a test drive - the Class A and C. I know that after having TT's for years, we decided we wanted a Class A. Really looked long and hard at one and took it for a test drive. I didn't like the feel of it at all because I get motion sick. DH said that can be remedied with anti-sway add ons, but then he asked me where I was going to put the trash can (?!) What? That made me really look long and hard at storage and it wasn't going to work. Well, fast forward and we have a FW. Love it. Love the space and luxury of it, but that's us. What works for us may not work for you.
Best of luck in what you decide.
