I don't think "depreciation" is the sole problem to cause one to go upside down, rather the sales price should be focus. If you are paying MSRP, or anywhere close to it; you do not have a fighting chance.
Fact: Paying cash is best if you can afford it
Fact 2: A low interest loan even at 20 years is very good, as long as they allow you to pay early to reduce the principle balance.
But the key and most important thing, REGARDLESS to what your bank will allow. Check the NADA book values. NEVER PAY MORE THAN NADA. If you look at NADA values for same unit brand new versus 1 year older, it is very reasonable and on par with cars, boats etc.
If you don't like to crunch the numbers, easy way to avoid all concerns with being upside down is to buy a new model at the end of its season when dealers are trying to move them off the lot.
At the end of the day, do what makes you happy, after all it is recreational vehicle so it is kind of like telling someone how much they gamble with at a casino. To each his/her own.
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