Surefix: I think you'd see a BIG difference in fuel consumption between those two boats. I'd guess the F150s would use 5-6 gph each at cruise, and the 225s would use twice that much easy. The Saltwater series were fine motors (I had one for 17 years), but the F150s are really special, from everything I've read, heard, and observed; they will be much quieter, won't smoke at all, and probably will outlast the Saltwaters if both are properly maintained. In 10 years--probably even 5--it will be hard to give the Saltwaters away; the F150s still will have some value.
The 272 also is a lot more boat than the 232; do you really want to jump into your first boat with so much boat? There's an old saying to the effect that the smaller the boat, the more you'll use it. Yes, the 272 will give you a better ride, but when there are 5- and 6-footers out there, you'll get beat up anyway.
Finally, the 4-year difference in age is worth quite a lot, IMHO.
FF