I had the same struggle. My son is 3. The dealer pointed out that they won't take naps for very long, meaning that in another year, it won't be a problem. We thought that would be true, and got the open bow. There were a couple times last year where we put the bow cover on and he slept in there a bit. But, it gets hot quickly, and it's hard to get a breeze going in there. FW has an option for a longer bimini top, and I've thought about that one as an option. I've also considered getting a custom cover made that pops up higher in the middle, like a pup tent, with vents front and back.
To us, the open bow weighs less, so easier to tow, and it gives more overall usable space. We decided that we should pick the boat based on how we'd use it most often, not based on the potential for an hour nap. As someone else said, you can get shade from the bimini if you want.
Now the other comments about doing "private" things without the cuddy... well that's another consideration all together.
Not sure what I was thinking, but it didn't really occur to me. When that opportunity arises, it's going to be after dark, or I'll find a private place.
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2008 Four Winns F224
5.0 Volvo Penta
Towing with Audi Q7 4.2 V8