Hi Dan,
I have a '98 22 Cruiser with the factory installed seating configuration you're thinking about. I believe there were very few built. It's a very basic design; Two seats facing forward, and directly aft of each seat is a bench seat. Under each forward facing seat is an enclosed locker, and under each bench seat (the seat lifts up) is a giant storage area. Plus, there is an enclosed footrest for each bench which lifts up for additional storage. For most of our boating on the river, this is perfect for us.
For the occasions when we want to do weekend overnighters or a week's vacation, I had a local cabinet guy build a small counter with a small stainless sink. By removing the forward facing seat on the port side, the counter rests on the seat platform and is secured to the v-berth bulkhead. Thus, the counter runs from the bulkhead to the edge of the bench seat. Our fresh water consists of a few 1 gallon jugs. The sink drains into a bucket inside the locker below. I can make this conversion in a matter of 10 minutes, so we're not locked into a permanent installation. For cooking, we use a 2 burner Coleman camp stove and a Magma grill outside. The arrangement is very basic, but that's ok. We're pretty basic kinds of people, and consider ourselves lucky that we were able to get into a C Dory in the first place. This program works very well for us. However, if we were going to do some long-term cruising, I'm sure we'd be looking for something a little more sophisticated.
I"d post some pictures for you, but the JONI LYNN is tucked away under canvas, tarps and what-not for her long Wisconsin winter's nap in the back of the machine shed. Pics will have to wait until spring.
Hope this helps in your decision making.
Paul & Joni aboard the JONI LYNN