So thank you D-mo! Like I said earlier I wouldn't have thought of a futon mattress, even though I walk by one in my basement every day. The futon mattress fits perfectly on our bed, and makes a huge difference. If we do need/want the dinette to play cards or eat at during a rain, it's still possible to make it. We just roll it up with sheets and pillows all together, towards the back. It allows us to have a place to sit in each side of the table, we just lose the back bench, and that's fine because there's only two of us. And thanks to all the other people's comments and suggestions, I absolutely love this forum.
2015 rockwood 194A HW.