I have a tent that I crash in. One night in the back of my explorer told me to get a tent and an air mattress. That setup is perfectly fine for me. Of course if I won the lottery, I'd have a hell of a toy hauler.
A reason some might take the leap and buy/make payments on a hauler; family, especially with ones with younger children. It allows them to escape into the AC on those hot days and still have room to entertain themselves. Same goes for the significant other. It allows the whole family to join in on the weekend or day and keep everyone happy and comfortable. For those that coach for organizations I see the benefit of having a place you can relax without having to pitch it and take it down at the end of the weekend. I'm far too poor for a toy hauler, closest I see myself coming to one is an enclosed trailer.
As for the whole getting a bike that is sharper than that rider will ever be, well I am now in that now boat soo.....