So, having just gone through my experience, you seem to be taking a similar approach. I started looking at various makes and models in the 22ft range before eventually landing on the Seafarer based on all of the reviews on the internet and feedback. You would think it would get easy once you decided on the Seafarer, but then the whole dilemma between the 226 vs 228 kicks in.
From my own experience, I was open to either, but then realized I actually preferred the full transom based on the layout of the boat and knowing it has a little more of a protective barrier to the engine since I have two younger kids (2 and 5, not really much of a reason).
Similar to the advice above, you want to find the newest boat you can afford and go from there. However, I learned that there is a sentimental factor that plays into your decision making and the price of the boat. For example, I looked everywhere for the 228, but didn't come across many. The ones I did find within my price range were neglected or were just missing something. I was about to make the trek to Savannah from NJ when a 228 popped up in PA. The boat was a year older than I had wanted, but I made a random visit to the boat and saw the owner with his wife cleaning and waxing the boat after just taking it out. Supposedly, they would take random trips to the Marina just to clean it and kept indoors when they didn't use it. The boat looked new even though it was a 2000, ran great, original cushions were in great shape, and was loaded with electronics (old ones). Whether I am a sucker or not, I knew full well what the market was for the boat and still paid 2 - 3k over because I didn't come across anything that compared to it.
As for the engine, my boat has a 225 Ox66 with a hardtop and it hit about 38 at 5400RPM. When I repower, it will be a 250 mainly because I prefer to have power in reserve than just enough. Depending on the year, avoid focusing on buying one with a 250 as you are making a hard find even harder.
Make sure you know the market and what you want. If you want a hardtop, limit your search to ones with a hardtop as the market for those with vs without do not accurately depict the cost of putting a new one on.