The cuddy roof is just a mite too far forward, unless you have a jib that's undersized.
Otherwise, I agree with Tom. In my case, everyone on my boat wears PFDs 100% of the time. No exceptions. So everyone's back is "padded", and tracks are not in the least bothersome.
In the track on the top configuration, there may be enough room for the crew to sit on deck forward of the track, but in conditions where the skipper also needs to sit up on deck or hike out there's not enough room to sit right next to the crew - which would be the best place from a weight distribution point (assuming your boat isn't on a plane).
Now, if you and your crew are heavy, it may be the case that you rarely if ever sail in conditions where even one of you needs to sit on deck
to balance the sail force. That's fine, and I'm a firm believer in people setting up their boats to the type of sailing they do .... As long as they recognize, and everyone reading along understands that certain design decisions rest on implicit assumptions -- including about future events.
If you've rigged your boat so hiking out is difficult, you'll be miserable if you find yourself out in conditions where that is suddenly required. Say because the wind go just a bit stronger than you expected, for example. (Note that the wind speeds we are talking about here are not really "dangerous" for anyone who's graduated from their beginner, or even early intermediate learner status; most people with a bit of experience would find those conditions "exhilarating" and would consider that the fun has finally started).