I can certainly understand your hesitation to tow another trailer. My parents had some close friends (1965) and their trailer and car flipped over on it's side while traveling due to high winds. That family was so traumatized by the event, they never go another camper again. It wasn't financial reason, it was all PTSD. My parents missed camping with them after that.
Although I am a TT guy and absolutely love my configuration and have had absolutely zero problems towing, ever, I do encourage to NOT give up the RV experience. If you are now gun-shy of a TT, that's perfectly understandable. Get the A or C and continue to enjoy this lifestyle.
About your insurance, as stated above, Gap will pay the difference between what your insurance pays and the remainder balance on your loan and nothing more. Get your old loan completely paid off, and then start all over again. If your loan is paid off, your credit rating will take a boost also for a while. You may be able to finance your next "camper" with zero down. We've never had to put anything down on anything we've financed: our home, any of of vehicles, or any of our campers.
