We are not full timers but have made several 5 - 5 & 1/2 month summer trips. Once out West and then a combo of Alaska and some of what we missed in California the first time.
We used to belong to FMCA, but after the first year(for us anyway)we saw no real value and dropped the membership. We have Good Sam and Passport America. On our trips we learned while traveling, the Good Sam's 10% discount was pretty much eaten up by fuel costs if we had to deviate from our route very much. Our 'travel' camping was when PA really came into it's own. Those short (1 - 3 days) stays paid for PA's cost many times over. We hope to do more 'destination' camping in the future and then GS campgrounds will probably be a better choice with the longer stays.
As far as the 'TOAD' renting or buying is concerned, I suspect if you're going to be full timing it won't take long to realize that having your own toad is well worth the cost of having one full time. We think that having our toad (4WD...no rock crushing
) has allowed us to see much more wildlife and beautiful views on those roads less traveled. For us, having our own toad is a BIG part of why we RV.