It would help knowing what your past experience with rv's is? Also what you have as a tv?
With that said you should realize what other people like and have may or may not be what's right for you. Over the last few years of rving we've met couples full timing in mini vans as well as ginormous moving houses! What's right for you?
Consider big 5th wheel trailers offer comfort and luxury, but they also cost much more to buy and keep up. There's always a trade off.
If you can live with a little less luxury, maybe something around 30' or so would be a lot less expensive, you might not need that long turm loan.
A lot to consider, but we don't know just where you're coming from for past experience? Think about you experience and what you can live without and what you can't live without?
Good Luck
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