They have a special "premium" plan that covers RV's in the four allowed tows per year, but that doesn't mean they won't accept a call on my standard plan, it just means it will cost more. Personally, it just didn't seem worth the extra money for something that may never happen, and that I can afford to pay out of pocket if it does. I don't carry AAA because I can't afford to pay for a tow. I carry it so that I don't have to figure out who to call.
Mrs V saw great value in it, and I see it also. Our two cars, and our 2350 are covered with (1) 200 mile tow, (3) 100 mile tows blah blah blah. Premier RV.
$225 a year.

I worked towing and recovery in this area, and 'added costs' will certainly cross that mark when you upgrade from a car/SUV flatbed to a larger towing rig to assist a 2350. Plus you have the added benefit that the TowCo is aware of your RV size, etc.
Another premier premium perk

is that 'two recovery operators and two recovery vehicles' are covered. so when towing my trailer, and an event occurs that renders the 2350 immobile

it will NOT add several hundred dollars for the towing and recovery of the trailer.

I imagine the same would apply to a toad should an event render the PC and toad both unusable.
This, covering my car. Mrs V's and the PC... for less than $250. No brainer in my book. I take NO credit for finding this out, Mrs V reads the small print and explains it to me.

I also realize that 'full timers' will have different needs, we only use the PC 4-5 times a year so far, and 250 miles away from home has been the farthest. And live in a very developed area.