Hi Kathie & JStelly,
Thank you for the insight/rationale on the cot/bunk option.
We have not seen a 21' yet, hopefully in the Fall, but have one on order.
Anyway, it sounds like the lower windows in the 21' == lower mounting brackets for a cot == a squashed/narrow lower Queen/Dinette sleeping area.
Thanks for the explanation, though, it helps a lot.
Given all the tinkering folks do to their rigs I see on this forum, I'm surprised no one has tackled this one.