Sonny... you need to realize that there is a much older Horizon model made by Winnebago sub-brand Itasca. Your Horizon bares absolutely no relation to this older model. When looking for info on Horizons you need to be sure you are seeing info for the 2018-2019 Horizon motorhome made by Winnebago in Junction City, Oregon.
Older Horizons had basement A/C units. You have roof top A/C units. So, yeah, the air return for the new Horizon is not under the bed.
Here's a link to the online PDF of your Operator's Manual:
https://winnebago.com/Admin/Public/D.../18Horizon.pdf
Section 4-12 details the A/C Return Air Ducts and associated filters: