I am in a similar situation but the other way around. I am about 4-6 years away from retiring, or it could happen in a year given the right circumstances. Right now I have nothing in the way of an RV. I live very close to the Chesapeake Bay. One thing that has kept me from getting a boat is having the time to get the most out of it, and the fact I have nothing to tow it with. What I am thinking about getting in the next year or so is a Pick up truck that is capable of towing(5-6K), as well as being towed with all four wheels on the ground. That way, for the next few years, I could get a boat or a small to medium TT, and later on, if we decide to get a MH we can tow it behind it. We like what is available for fifth wheelers, but to tow one you need a real beefy truck, which will eat a lot of fuel, even when - especially when - not towing. I also like the idea of having a PU truck for the utility of it.
If, in the future,we determine a MH or Larger rig is not for us, at least we can be camping and boating locally, as well as hauling stuff to the dump, etc.