It's hard to just look from pictures alone, so I feel your pain as someone who is also looking and going through the same thing! (see my other post started today comparing this to a an entry gasser).
I have seen a 37F in person. Actually, the bed on the 37F is on a mechanism that moves it from flat/sleep position, all the way up to that position you see in the pictures. You can stop it at any point you want, and lay on it that way.
I actually laid on top of it in the "full up" position (like to watch TV) and it was quite comfortable. Think something like those old Craftmatic adjustable bed commercials, except that only the "head" part of the bed moves up and down (not the "feet") part.
The bed needs to be in the "fully up" position when traveling and will come close to the opposite full wall dressers when the slide is taken in (you can't access the back bathroom without crawling over the bed). However, you can access the 1/2 bath up front with no problems in travel mode. (A must for me for the obvious reasons, LOL!).
Also nice that I noticed is that in travel mode, the couch up front is not closed off from your driver/passenger area, so whomever is sitting there feels like they're right there with you driving. Some of the others closed up are more separate from driver/passenger. In other words, you feel more "together" in the 37f setup, conversationally, as well as with a good view out the front windshield.
Have also not yet seen a 35P or 35Z in person.....
Hope this helps a little!