It is true that the type of RV you full time in is a personal choice. As you are experiencing cost, maintenance, and functionality is the main consideration while living on a budget. While you are still working you might try renting a various RV's to see what you like. IMHO at your point in life you can't afford a mistake. Assess you abilities; can you back a trailer?, feel comfortable driving a motor home?, ECT. There are plenty of references in the RV blogs about cost of different types of RV'ing. I have never owned a motorhome but know several folks that have and I feel that pulling either a trailer or 5th wheel with a well maintained truck is the way to go. At times I would like a smaller vehicle to tour around in but have made that choice to drive a truck.........your needs seem small. Good Luck with your research!