not to worry, after you have bought your fourth or fifth boat you will
remember how much fun it was way back when you had your "little" 21
footer. and how easy it was and how cheap to run.
although I am only on my 3rd one (the first was a 15ft, then 20 and
now 25) we are always looking and planning and modifying and planning
some more. every boat is a learning and pratice experience for the
next one. I am a big believer that the smaller the boat the more fun
it is.
now as far as confort goes, that's another story.
best of luck and again not to worry. either way is good.