Had both and a 5er all the way, especially if in your scenario the cost is equal (5ers are typically more expensive). You just need the truck to pull it as a 5er puts more weight on the trucks rear axle. But they tow MUCH better, especially in wind.
In terms of towing, a 5th wheel is hard to beat, but keep in mind that you’ll lose your truck bed when towing (and have to deal with the hitch in your bed when not towing), you’ll need more truck to tow it which can be an additional cost onto an already more expensive RV, and they are typically taller which may or may not be an issue.