i switched from a 5th wheel bunk house to a toy hauler. the bunkhouse was nice but the bunks are so small that we were afraid to even let my 6 year old to sleep in them. when you try to put a kids gate to hold them in. the mattress is so thin that the bars are felt through it.
then we updated to the toy hauler and ours has 3 queen beds and 1 twin. so now i can sleep with my 4 year old son, my wife sleeps with the twin sister and my older 1 has her own bed (but she sleeps with somebody anyways).
as far as the cold the toy hauler is a little cooler then the toy hauler garage but not terrible. if you get a space heater or a heat grid in the ac unit. you will be good.
aslo somebody mentioned a second bath thats worth its wait in gold with kids.
also my personal favorite is the level up.
good luck with your choice