Hi, Meerkat, and welcome to the Forum.
To answer your question, yes. I appreciate the seriousness of it, too. One of our criteria when looking for a mid-size cat was also the sleeping arrangements. Many popular cats in this range have crawl-over berths. They can be like the Lagoon
410's (laid cross-wise across the boat, in an aft compartment) or laid up on the bridgedeck, going fore-aft (Voyage). Either way, you still have to crawl over your mate.
There are other boats that have what some have called "muzzle-loaders", like the Mantas and Lagoon
380's, where one crawls into the berth from the end. You don't have to go over your mate, with those, but in our experience sleeping on both boats, we tended to disturb each other.
Our boat, a St. Francis 44, has the beds over the bridgedeck, but placed side to side rather than fore-aft. You crawl up into them, but not over your mate. Since they are queen size, we have plenty of room to get in/out without disturbing the other.
Some boats, like the F-P 43 and 46, most Leopards, and PDQ
42/44 have semi-island beds. You can "sort of" get in on one side or the end, but you still end up having to crawl over the other, at least partly.
There are a few boats, like the Lagoon 420
and 440, that have island beds, where one can get in from one side or the other by stepping up onto the platform. But, those beds let you do that by having cut off the lower corners on both sides. If you tend to dangle a foot over the corner of your bed
, you'll end up having your foot off of these beds. They also have quite wide beams well aft in the boat, which tends to slow the boat down (more so on the 420, less so on the 440).
Everything's a compromise, at least until you get into the 50+ footers. Even then, just that the compromises are less obvious.