I think the others have asked some good questions. If you'll be boating on Winnipesaukee, the boat with better rough water ability is desired. Less so if you'll be on 'squam. Both boats are well made so the Crownie may have a few more niceities and perhaps better fit-n-finish but you'll have to decide if they are worth the extra $$. You've hit on one of the more important things, deck layout. I'll add some other things for your consideration. Are you comfortable at the helm ? Does the seat have enough range of motion to fit you? Can you stand w/o the seat interfering (better yet does it have a flip-up bolster)? Does the throttle fall to hand? Does the carpet snap-in, -out.
Storage space is another large issue. Where will you store the PFD's (in-use and out-of-use), the fenders, the anchor, the docklines, etc ? No boat ever has enough storage but more is better. With kids I anticipate ski and wakeboard storage as well.
Unique to bowriders I would ask if there's a windblocker to stop the wind from flowing under the windsheild and back into the cockpit. What are you getting for canvas ? I'd suggest that you get a cover for the bow that can be used independantly from a cockpit cover or mooring cover. This way if you're out on cold or windy days you can stop the wind (in lieu of the aforementioned blocker) or more importantly (in the event of big waves) the water from entering the bow section. Also are you going to want a Bimini top ?
On the question of engines I would strongly suggest fuel injection. It'll pay for itself in economy and in frustration reduction. Given you'll be towing kids around I'd opt for a V8, over a V6, for the broader torque curve. Besides Dad or Mom may want to go skiing as well
Lastly it sounds like you're buying a new boat vs a used boat. Given you've admitted to being new to boating, it often is that people in your situation don't quite know what their real boating needs are ... or that they may change after a couple of years. Trading in a used boat (now having some experience on the lake) for the next one (you really want) is less expensive than trading in a new boat. I've not checked to be sure but I suspect you could find a few boats, 2-5 seasons old, of the type you're looking at, in the various marinas around the lake(s). Then again don't let me be a sour grape here, if you know what you want, go for it. Neither boat (or the Rinker) is a "loser" by any means.