That is very true. Gap insurance is like every other kind of insurance. Money paid in the hope it is totally wasted money.
If it ever becomes a "good deal" it is usually very bad news indeed.
Another thing to consider is your own financial situation. If you have a financial cushion, you could "self insure" your gap and keep the money in the bank. In the unlikely event that the gap between the value at "total" and the amount financed actually occurs; you will have the capital to make it up from your savings and press on with your replacement camper.
The amount you will be "self insuring" depends on your down payment and the length of time between purchase and loss as stated previously.
Lou and Laura with Bella - German Short Hair Pointer
2008 GMC Sierra 2500HD Crewcab SB Allison Duramax
2010 Flagstaff 8526RLWS - Superglide 3300
HAM CALLSIGN - KC3FFW