After being fulltime and basically moving every week for for 5 years we have found ourselves sitting in one spot longer, 5 months each winter in Arizona and a month at a time at spots during the summer and I didn't want the big engine, belts, hoses and everything else that should be moving just sitting. Otherwise we would still be in a Class A.
I went through Miller Insurance and because the truck and 5th wheel are on the same policy I didn't need to have commercial insurance. I would need to get our policy out to check just what the cost was but it wasn't bad.
As far as the ride we had the stock rear suspension replaced with a Kelderman air ride system and I would compare our ride to any 350 or 3500 on the road, heck maybe even a 250 or 2500 lol.
Feel free to ask any other questions you might come up with.