Paying cash just makes for an easier process. I just think of it as it's costing me $16,000 for the first nights use of said RV, after that she is costing me zip.
On my old 2005 Aerolite over 7 seasons and about 380 nights I had paid about either 16.4 or 17.4k (couldn't remember) sold it for $8500. So I lost about half it's value, or about $8500. So where else can you get 380 nights in a hotel room for $8500 (about $22 per night).
And I get to sleep with my own bed bugs.
Drink my own beer
shower in my own unit
move about the country
tie my kayak up outside my door
Have a whole cabinet full of snacks
take a walk in the wood
Get out and go RVing ....