One bit of food for thought on the 4 seater requirement and possible creative alternative. Is that a requirement for MOST of your flying or just don't want to be limited to 2 seats? I went through similar thought process this fall.
I've been in a flying club for 10 years with a really nice C-172 with 180hp PennYan conversion-truly a 4 person plane, but it became impractical for regular flying with its location about an hour drive away after a move. So I decided to buy to keep local. $30k was my max and I just wasn't happy with any 4 seater I could find for that, especially knowing that I wasn't buying a true 4 person aircraft. I looked at Tripes but all had 30 year old fabric so corrosion scared me, looked at 172's but going from 180hp to 145hp 172 worried me and I knew its load was super limited, same concern with Cherokee 140s, etc, etc.
What I decided to do was to keep the membership in my club and buy a $20k ish 2 seater. That allowed me to buy a lower time 2 seater, while leaving me some room for the infamous first annual, burn 5 gallons an hour chasing pancake breakfasts' by myself or a buddy, which that's probably all it would be anyway, even if I was burning 10 gal an hour with an empty backseat.. BUT if and when I need a true 4 seater its now a 20 minute hop in my "new" '47 Cessna 140 and I'm in the "big" 172. The membership buy in was $3k when I got in, maybe could get $4k for it today, not sure. We just finished $30k+ upgrades to panel and radios, so I'm not sure but she's probably worth $60-70k at least, idk- but far more plane that I could afford on my own at this point...
So for less than $25k I have a gas sipping 2 seater to fly for fun, 3 miles from home, and a great 172 for $80 a wet tach hour/$60 a month in dues when the mission calls for more plane. I really think this is the best of both worlds for the money. If you could make something like that work in your area you may be money ahead, and have better planes than spending it all on one "4" seat bird. Just an idea..