I don't think they came with a jack. I bought a bottle jack, socket, and looooong break over bar just in case I ever have to try to change a tire. But as tight as those lugs are torqued on I doubt if i could get em loose, but I'd try if I had to.
I my rig there is a bolt head on the bottom of the rear storage compartment, the one above the trailer hitch. You turn that to lower the spare tire.
Good Sams road side assistance is only $79, one flat and I would think that's real cheap.
93 Land Yacht (The Minnow)