Our experience with Winter camping is the RV gets cold fast. We've camped in below freezing in our Class C and close to freezing in our TT. When it is that cold, the furnace runs quite often and you will burn through propane pretty fast. You'll be comfortable, but you will need to refill propane often. Electric heaters are nice, but usually struggle in really cold temps. Yes, you could bring bottled water in, but what about getting rid of the waste water? Will sewer be available in the winter to get rid of waste?
Not having a truck isn't a deal breaker. We bought our almost 12,000 lb, 40' Destination TT with no way to tow it. The dealer delivered it, leveled it and made sure everything worked. Once at the campground, if we needed it moved, the owners could/would have if requested. We did need to move it and asked my brother who owned a F-350 SRW to move it (just had to pull it forward about 10 feet). When I needed to move the TT out of the campground, my buddy offered to move it for me. I had planned to rent a 350/3500 from Enterprise, but my buddy offered. Worse case scenario a RV Transporter could have moved it for me. Being in Indiana, I'm sure there are a lot of RV Transporters that could move it from campground to campground for you. Having a F-350 DRW would be nice to have in the off chance that we need to move it again, but it's not really worth the purchase for that off chance.