We have a 2010 Fleetwood Encounter 32bh, which is the same model as the current Storm. The drop down bunk on the Encounter/Storm line is actually a residential sized queen bed, so lots of room, could easily fit three kids in a pinch. We removed the air mattress and put a 2" memory foam mattress on it instead. The mattress compresses easily and springs back within a few minutes. It works great for the kids, but maybe too thin for an adult.
The bunk lowers and raises quickly, and is very sturdy. The netting can stay in place and doesn't get tangled. We use sleeping bags most of the time and its easy enough to move and set up. As mentioned the front seats are not usable for an adult. But the space created under the bunk is a great hiding/play space for the kids, which is nice as it gives them they're own private area to play.
If I had to tear down and set it up two times a day, it might get to be a hassle. But remember the kids will grow out the naps soon enough. I couldn't tell clearly enough from your post, but I hope you weren't planning on driving with the kids up there, either napping or otherwise. We just leave ours down throughout the day, but we also have our towed vehicle (2005 Honda Pilot) to take around on our adventures. Much easier than breaking camp whenever we want to go somewhere, and much better gas mileage, too.
We are very happy with the layout, we also have a set of bunks amidships, so we have lots of room for our four kids and we don't have convert the dinette or couch every day/night. Good luck in your search, it took us months to decide and locate the perfect MH for us, but the right one is out there, don't give up.
Tom
