Thanks all for your input.  Exactly the feedback I had hoped for from experienced RVers.  Thanks especially for the PMs.
The forums really help you think things through and consider different options.
I have decided to hold off on the toad for now.  We are heading out on our regular winter jaunt to Borrego Springs and will probably rent a car down there, as we spend a month.  
Also decided to get a bike rack and take the bike for the short errands around town.  We may decide we don't even need the car.  As you pointed out, a B is pretty darn easy to disconnect and drive around.  
Excited to take delivery, move in and get on the road to continue the adventure!