We full-time with two kids and homeschool out of a 4100. The only big things on my list that were not met were separate eating/dining area and kitchen on the off door side. We bought the 4100 because it was the only model to have the big bathtub when we purchased.
I LOVE having a washer dryer, a full tub, separate washroom for the kids, and using the sliding glass door as a marker board for school work. I purchased some white cling plastic and taped it to the bedroom side of the slider door for a better view of the work, as well as additional privacy between the kids room and the living room. The kids eat at the counter and Dad and I eat on TV trays stored behind the couch unless we eat outside. I use the loft area for extra storage. Eventually the loft area will lose its railing and those will be replaced with cabinet doors to ease accessing storage. We did add an a/c vent fan to the rear 1/2 bath because that began to smell pretty bad after a while without any kind of ventiation.
I like the Cyclone a lot. We use regular twin bunk beds in place of the drop down queen beds, but if you want to have a golf cart that will not work for you. We did also place some plywood on angled 2x4's to level out the back end of the bedroom and placed a carpet over the top. This allows floor space for playing and room for moving around in there. If the kids were older (ours are five and seven) I might have a different opinion.
The only thing that is a real bummer is that we don't have a central kitchen table for playing games, etc. We have considered removing the furniture and putting a small dinette set and love seat in instead. The TV viewing angle isn't the best but I am used to it. I replaced the uncomfortable stools with some more "bum-friendly" ones. We still have the others and use them for additional seating.
We have been living in our 4100 for almost a full year and I have NO regrets. The few things that I don't have, I don't miss often. It works well if you are willing to work with what you have. We have added some furniture - I use a closet organizer with fabric drawers for an entertainment shelf and school stuff.
Feel free to PM me is you have any other questions.
I do recommend also getting the JT Strongarms installed -it makes the whole place seem more stable and less bouncy when the kids get a crazy hair. Good luck and enjoy!!