SeaKing - I agree with your wife on this one.
It really comes down to personal preference. In my case I would never buy an owners version and the higher price
that they command would have nothing to do with it. I would much prefer each berth to have its own head and shower and that's exactly what guests on board like as well.
Why do you think the charter versions have these - because that's what people want - they do not want to share facilities or have to wait for someone else to come out of the shower or toilet, people like the privacy that their own shower & toilet gives them. It is also good during passage
making where a lot of boats have 4 on board for everyone to have their own berth & space.
A lot of the owners versions are also very impractical in my opinion. For instance those which put a lounge amidships between the owners stateroom and the forward head. Who would ever want to actually sit on this lounge for any reason other than to put on their shoes? These lounges are virtually useless and storage cabinets would be a much better use of the space.