Keep in mind for 20k you can get a REALLY nice C150, Grumman AA1, Aeronca chief, and a few others.
Better to have a pristine 2 seater, than a ragged out quasi 4 seater. Also lower fuel burn, more fun to fly, cheaper to work on, again unless you're fat, buying a 172 is silly, and even when you're fat, better to just stop eating and get a 2 seater
I see where you are coming from and I thought about the same. My brother is too wide for a 150 and my Dad is too tall - literally can't fit his legs in. I don't know much about the Grummans and I'm not good enough for a tail dragger yet.
Thanks