I think the toy haulers are pretty darn nice, but they're also pretty darn expensive.
It's just her preference, and it's possible that the smell of gas/oil/ATV spreads from the garage area to the living area. What's been your experience with that?
minnranger, when you said you had the dealer put something on, what was it they put on? The hitch? What kind of hitch was it? Was there not another hitch on there? How much are you planning on pulling?