Milt,
I'm surprised (gien your last name!) you haven't looked at the Reynolds cats...I've seen the 21 footer up close and it does have sleeping space in each hull. They are quite nicely priced as well.
Ideally, the Farrier/Corsair trimarans would be great for you...speed, creature comforts, trailerable, safe. But, the costs are very high (24 ft goes for more than $25k used).
Mike.