I think if you want to park your rig for extended times and enjoy living in your rv, it's really hard to beat a 5th wheel. There are lots of really nice floor plans in Class A coaches, but not one of them will offer a raised cathedral style ceiling in the living area.
Having said that, if you're living in your rv while traveling, then it's hard to beat a Class A. Most are even quite livable with the slides closed, which is usually an impossibility with most 5th wheels.
I can't see how the house part of a Class A would be any different to maintain from any 5th wheel, cost wise. The difference would be in the mechanics. I think the gas unit would cost less initially, and for now the fuel is substantially less expensive than diesel. I think the diesel unit would last a lot longer, or if purchasing an older unit, an older diesel unit could probably still be in excellent condition.
I think the operational cost difference between a 5th wheel and any Class A is a lot more than just the cost of the insurance. The power train requires at least the annual maintenance, whether it is being driven or not. With a Class A, there are now two power trains to keep maintained: the Class A power train, and the toad power train. There's two vehicles to insure, two vehicles to maintain, two vehicles to repair.
Jim & Kate
2016 Creekside 23RKS, 2014 Ram 1500 Eco Diesel
1995 Monaco Dynasty 36', 2005 Honda Pilot