Traveling in an RV without a toad, to us, is just a bit "risk taking". I say that because we've been broken down, more than once and, have used the toad for either retrieval of parts or, something else that was needed to get us back on the road. We've been broken down one time without a toad and that caused us to hookup to a toad every time since, even when we're camping quite locally.
You never, and I mean NEVER know when a three or four dollar part will cause a $100K motor home to decide it doesn't want to go any farther. Now, you're in a bit of a different predicament. An 18' trailer with two PWCs on it is a piece of cake to back down a boat ramp with a Class C. Done it for years with a 19' boat. While many "cringe" at the possibility of getting the motor home wheels "wet", ours never even came close. The boat floated off the trailer long before the wheels, or tail end of the coach, came anywhere near the water.
Backing it down a ramp is no different than backing it in a regular parking lot for turn around or whatever the reason is for backing. Practice man, practice! The only difference is, you're now heading down hill, big deal, that's what brakes are for.
Now, as far as your golf cart, well that's its own issue. Not a golfer so, haven't had to deal with it whether recreationally or, for use on a golf course. But, in any case, running around without a toad, is a risk, there's no doubt about it. There's ten zillion things on a motor home that can fail and leave you stranded, even if you plan on staying in one spot for the duration of the camp trip, that doesn't preclude a possibility of a failure of a vital part in the coach, to prevent you from getting there or, coming home.
I don't know how you feel about motorcycles but, even having a small one on board the trailer, could be at least something for running around, or going to get that possible three or four dollar part that will get you back on the road. Who knows??? Good luck.
2004 ITASCA HORIZON 36GD, 2011 GMC Sierra 1500 4x4 Toad '08 GL 1800 Gold Wing
Retired-29.5 yrs, SDFD, Ham - KI6OND
Me, Karla and the Sophie character, (mini Schnauzer)