This going to be for all fresh water use? Inland lakes?
Buying used is a far better idea where boats are concerned. Come to think of it Roadies also.
C-Dory made a bunch of pocket cruisers. They had one that was in the 22 foot category. They came with a variety of amenities, but were still spartan enough so you didn't have to spend all your time cleaning.
They are a great choice for puttering around. Their not a go fast, but their faster then a blowboat
. They could be configured with twin outboards(as you got closer to the 20 foot mark), or a single with a kicker. They handle rough water pretty well, as long as you slow down and take your time.
They are forward cuddies, with a table that knocks down for more sleeping room. Some have working heads, with holding tanks, others had a portable head that was removed to empty. They had several different stove/heater options as well. The larger the boat, the bigger the galley. Sink and a fresh water tank.
They tend to be a bit pricier as used boats go.
They have an aft cockpit for fishing and or enjoying the sun, and the rest is cabin. I have a 24 Tomcat(C-Dory's early approach to catamarans), and the cabin is actually cooler when out on the Gulf, then the aft cockpit under the Bimini.
Their owners tend to be as proud and defensive of their boats, as we are of our Roadies. They spend alot of time personalizing and customizing them. If you went this way, and found one that had received alot of attention, you'd get a nice boat.
Here's a link to their forum.