Sounds like you are using your head with regard to the money side - good for you! In my organization we see far too many who haven't.
Regarding your (eventual) decision, a couple of thoughts:
1. Don't rule out buying used. Of course it's great to buy new - but I think it's fair to say that new RV's probably have more warranty issues (on average) than new cars do. Obviously there are exceptions on both sides of that... Also, RV's have a heck of a depreciation curve. If you are patient you could find a well-cared for rig that's a few years old and save thousands over buying new. I figure we paid about 1/3 of our rig's cost when new. Now I've had to fix some stuff, but I'm fairly handy and most of it has been minor. We should be out of debt in a year or so.
2. We switched from a pickup-and-trailer to the C. We really weighed the pros and cons - would have had to upgrade our truck in order to pull a bigger trailer, and the truck is/was my daily, so more fuel costs would have been in the offing. Ultimately we sold the truck & trailer, and I now run a Honda Fit as my daily. 37-38 MPG feels pretty good!
I plan to set up the Fit as a toad, since we no longer have a truck to unhook and drive when we camp.
At the end of the day, though, I think you can make financial arguments for either approach - comes down to personal preference and what suits your particular situation better.