I'm coming into this thread late, but some thoughts are boucing around in my head.
For conversation How about instead of considering a standy or bunks for multiple people, how about just a bigger bed.
If two people sleep in a standard 4 X 8 which would have a bed width of about 44 inches. 1/2 of that being 22 inches. total width for three people would be 66 inches WHICH is about the width of a queen sized bed.
I think but really ain't sure, but isn't a three person tent only about 60 inches wide?
John