Suggest the slush fund approach a as you will earn interest and have the money if you don't need it. I had some major work needed in the early years but the manufacturer warranty and factory covered everything. Had it been a few months later I would have been out of pocket. With my previous two coaches I had little or no issues over a total of 19 years.
2012 Sportscoach Cross Country 385 DS Freightliner XCR w/ Cummins ISB 6.7L 340 hp
2009 Saturn Vue, Blue Ox Alpha, RVi Brake 2