I use a tow dolly with electric brakes. It's not that hard to pull the toad up onto the dolly and secure the straps. Since you have lights on your dolly, you're not required to have lights on the toad, although if I'm towing at night, I hook up a cheap set of lights that attach to the trunk (or hood) with magnets. I've towed vehicles forward and backwards and went as far as disconnecting a driveshaft, but that proved too difficult to do a second time.
With the dolly, I like having the brakes on the dolly and being able to adjust them to help with stopping, especially if you're getting close to the max towing on the rig. I'm sure you could set something like that up by towing 4 down, but I'm not sure how tough it would be. My opinion is that the most stress put on the motorhome is in a hard braking situation and having the extra brakes on the dolly takes some of the stress of the hitch and motorhome.
In addition, I didn't have to install any equipment on the front of my toad, and I can tow any of our vehicles with the dolly which makes it nice to chose what vehicle best fits our needs at our destination.
Many on here swear by 4 down, but at the end of the day it's whatever is right for you.