We had the same dilemma, I think most people do, especially for their first boat.
Probably the biggest factor I read was “my wife likes amenities, bow seats, backrests, etc…” There is your answer… really… if she is not happy, you will not be happy either.
We looked at exactly the same size boat range for nearly 1 year before deciding. I bet stood in at least 100 boats from Florida to North Carolina.
The only piece of advice for power, do not under power your boat. It makes for an unpleasant experience, every time. It may save you $5-8k up front, but it is a mistake to think it will be ok. I would only recommend having an under powered boat to an experienced boater who knows they never would utilize it in the first place. I personally chose the highest power recommended by the manufacturer, I have no regrets.
A 20-22’ deep V boat will go in all the same places that a 20-22’ bay boat will go as far as shallow water is concerned. I am not talking about a Carolina Skiff with 6" of draft, a typical Sea Pro, Sea Hunt, Sportsman, Key West, etc… boat generally have a 12" draft whether they are a bay boat or a deep v. The fish-ability of that boat comes from whether you like to stand on the bow of a deck and fish or do you want to be inside the gunnels? It is a hard decision, I know.
So with all that said, we ultimately decided on a bay boat. My wife wanted a comfortable boat, we are empty nesters and we decided to buy a boat for “us”. My wife loves fishing and a bay boat offers the style of fishing we like best, inshore walking around the deck of a boat like bass fishing. As far as comfort was concerned, which was a big deal to my wife, we picked a boat that had a comfortable helm. Keep in mind comfort is in the eye of the beholder. She would literally go right to the helm and make sure she was comfortable. She probably made many salesmen mad, she would sit down and say “nope, let’s go”, leaving the salesman making all kind of comfort promises, but they don’t know my wife… L