Everyone I know that has Bunk models use the bunks for storage. Due to how small the areas actually are after your kids reach about 9 or 10 they are to big for them. I picked up a 2008 Fleetwood Discovery 40x last year and it works GREAT for my wife and I and 3 boys. It has 4 beds. 2 coaches that fold out to beds 1 queen and 1 full, and then the dinette makes into a bed. and with all the beds out you can still walk thru from front to back. With your Budget i would say you wont have a hard time finding exactly what you want. As far as the water goes i went from 150 gallons in my 5th wheel to a 100 now and run out of water at the same time i did with 5er. And after talking to a few friends they all say the same. My advise would be to go look at a bunch of different brands and models before you settle on one, what works for someone might not fit you.