I have no idea how the walls etc on HC's are insulated. And I also don't know how the new Montana's are built, but the ones I've seen on the factory tour looked similar to mine and my basement is just what you describe. I opened an extra vent in there on mine the first summer I owned it, so I don't know what my basement would be like otherwise. I do know that in order to winter here I have a house size propane tank that the propane company comes out and fills. It's cheaper that way and otherwise I'd be making very frequent trips to have my bottles refilled. This is also what we did when we worked for Fish and Wildlife in the mountains and all makes of 5vers and motorhomes seemed to use about the same amount as we did.
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