Buy a gas Class A with bunks or has the drop down bunk over the cab for now, and save the diesel for retirement. If you looked at the Palazzo, look at the Hurricane by Thor. Nice family floorplans, and very affordable.
Buy new or used, depending on what you like. In used, you are limited by what is currently available. New, you have your choice, and it should make it through your 15 year window.
Insurance rates vary greatly between providers and coverages. Research and compare. Don't forget that Progressive and Geico also do rv insurance.
Steve and Vicki
2011 Dodge 3500 CTD Outdoorsman
2013 Columbus 320RS-ITS HERE!!