I does not hurt to drive with bunk down, it is helpful in fact if you are relying on the cab for heat or cold. Lower the bunk and then drape a blanket from the bunk to the floor and you will be nice and warm in the winter or cool in the summer. The cab is not meant to, and not capable of heating or cooling the entire coach.
I found a great ladder from Stohmberg Carlson, eTrailer.com had the best price. The black one looks like factory and comes with hook attachment that works real well. I padded the hooks with self stick felt like you put on the bottom of a table or chair. Sold in strips at most hardware stores. The hooks let you use the ladder in any spot, no need for a bracket on the bunk.
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