i have same set up as tom but 12.4 of cargo space with a small sleeper behind seats. for city driving no prob.
i would say 2 or 3 times a month i get ill 2 loads in 1 trip which is nice
i pushed bulkhead back a little and made sleeper there with ref. and mic under it. also have cabnit above at roof.
with the sets all the way foward i still have a bed of 36"
cargo area is 12.3