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You hit the nail on the head when you said "compromise". I wanted a 30' for reasons discussed frequently on this topic. My wife wanted a 40'. We compromised with a 34'. Could I be happy on a 40'? You bet your bum I would. Would my banker agree? Not on your life.
I will note that we are all like goldfish and will grow as large as our surroundings allow and this is particularly true on a boat. You will always need more space for your "junk". However, I could never see myself in a boat bigger than a 44 ft. as there is simply too mch work to sail her and keep her up - not to mention the expense.
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