BMR has a dining table, heck he has a dining room.
I had waltF's exact boat and we quite often had 14 people and a dog. usually half that number were young kids, but i never felt unsafe. we didn't go anywhere fast, but that wasn't the point.
i'll second alot of the above comments and throw in a few of my own. you will never regret getting too big a motor (except when you are writing the check). bigger is usually better on the water, particularly on big water with the potential for big waves. a bigger boat will have longer toons and usually offer more flotation, particularly with a 3 toon setup. remember, there is a distinct difference between 3 toons and a 3 toon performance package. the biggest issue with towing a longer toon will be the rating of your vehicle. we pull our 25ft with my wifes '10 expedition which is rated around 9500 lbs, but in reality, without a weight distributing hitch its only rated at 6500. so look at your owners manual carefully. a longer boat will be harder to get back on the trailer if there is a moderate to strong wind since toons in general tend to act like giant sails. as far as fishing, we chose to maximize seating so we didn't look for any boat with a fishing setup. ours has a "L" sofa in the rear and 2 sofas in front with a bow filler seat that makes it one giant wrap around sofa. however, we still fish from it just fine. we just don't have any fishing seats or live wells. the problem with fishing seats is that they are often outside the fence and not approved for seating while under way. if you want to routinely haul lots of folks, this may be an important consideration.
there are several brands where you really can't go wrong. bennington is always on the short list of top toon makers.
a few other thoughts. if i were buying new, i would strongly consider the double bimini option and even perhaps the full enclosure. not that i'm dying for them, it just seems alot easier to get them with the boat new vs. finding one 3-4 years down the road. when we bought our current boat, it had the "entertainment center" with sink, storage and a 12volt fridge. we really didn't want it but it was already on the boat (bought used). we toyed with taking it off but after a few outings with the fridge we were hooked. the sink is still useless, but having a fridge has been very nice and frequently used. i know i'm spending your money, so that is why it is so important to prioritize what you and your family want prior to the purchase. that's the great thing about used boats, if you find it doesn't fit your needs, sell it and buy another one. your depreciation on a 4-5 yr old boat will be alot less than a new one.
good luck and tell us what you decide.