Thanks Michel - I don't know if you remember but you advised me when I bought my previous charter boat ( 36i ) about ten years ago.

From what you wrote, if I take the GI 9% option I benefit from both the potential lower use (and higher availability?) and the increased resale without a penalty.

I don't think we would consider a 4-cabin version for ownership even if we were planning to sell afterwards. We expect to be mostly sailing as a single couple.