first, it would help us help you if you posted where in the U.S. or Canada, that you live.
most of us have our location under our user name, in the left column.
as to the hybrid-style bunk end, from Googling the 176T, found many pics of this bunk end set up and it shows the mattress covering the bench in front of it. the two sides of the u-dinette are not covered and are usable.
so, no, you can't use the full u-dinette without folding mattress.
and it looks like you sleep length-wise, instead of across, like you would in a hybrid or popup.
if you expect to be able to sleep two kids in their own bunks and two adults on a queen size bed and have a kitchen and bathroom, in this short of a package, you have to expect that you'll have to give up some things.
and Zoe the Wonder Dog(R.I.P.)
'07 Roo 23SS pushing an '07 Chevy Avalanche
Equalizer WDH and Prodigy BC