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.
Although I was advising quite a lot of boat buyers at the time, I will probably remember your "real" name - but not Mr.EzGoin...;-)
I think the bonus for you is that Moorings is offering you - apparently - the same % of income as for a 4-cabin. That is a significant benefit.
If you are going sailing at the end of the contract, I would definitely advise the owner's version, with the way you are planning to sail. Not a question in my mind.