I don't know if I followed up on my original post, but here goes. My credit union could not beat the dealership's rate. So I went with dealer financing. About a month later, I had a refi offer from Good Sam which would save me about $40/month. Still mulling over the refi costs and how long before I break even. As for writing off as a 2nd mortgage, this info was provided to me by my financial advisor who consulted with the tax folks in her office.
I have been on a weekend campout or two just to get familiar w/ setting up, tearing down, and just driving "The Beast!" I'm only 4'10" so just about ANYTHING is a beast to me!
Thank you all for your input and Happy Camping!