My guess is that the OP came on to this forum for answers to questions related to RV brands and models...wait...that's not a guess because its exactly what they said. Nowhere did the OP ask for life advice, family counseling, or a lesson on economics. Yet, similar to many other threads, those responding assume they know more than they do and use that false knowledge to "preach" at the OP. If they wanted that advice, they probably would seek it somewhere besides a RV forum.
OP, right or wrong, its the choice for you and your family. I'm not going to interject my personal feelings into a matter which I know nothing about regarding people I'll probably never meet. I would recommend you consider a fifth wheel over a TT due to the spaciousness they provide. From a SF perspective, you may not gain much, but they provide better headroom and that adds a lot of value. Also, fifth wheels are just built more rigid than TT's. Don't spend a lot of time reading negative reviews of one thing or another. Instead, go the brand-specific forums and read comments related to warranty matters. For the most part, I feel like they're all going to break in some way or another, so the response you get from the manufacturer in dealing with warranty repairs is huge. Also, consider the position of each manufacturer towards full-time living. Some of them reportedly do not allow warranty coverage for full-time units.
I'm not plugging Grand Design here, but its my understanding they do not deny warranty based on how you use the unit. They also have a 2 year warranty. And, in the few minor issues we've had with ours, they are quick to respond and have even sent out new replacement parts.