[BiggarView]

If you can afford to do the savings account option mentioned above you will likely do better financially.

If on the other hand your budget is tight it may make sense to have something to "smooth out the repair hits" that will probably come your way sooner or later. You have to do the math for your situation.

That said, even with discipline most people can save the money. Don't forget that if you finance the plan with your RV purchase your initial cost grows over time by what ever your loan rate is... Dealers love to get buyers for them... it is gravy profit for them... REMEMBER THAT. You will always hear stories of people that did well on those plans... but the game is rigged in the providers interest and the odds are against you coming out ahead of the cost. CAVEAT EMPTOR.