I like the way you're going about your search -- gathering data, comparing values etc. I also agree that the PHRF numbers are useful for getting an idea of the speed potential of various boat designs.
But I also feel it's possible to put too much emphasis on those PHRF figures. You already know that they assume certain factors that may or may not be present on any given boat -- folding/feathering prop, max allowable-sized genoa (plus a full complement of other headsails), very rarely equipped with roller furling, max allowable spin pole, etc. Other factors that affect ratings are how competitive the fleet is. In competitive fleets racers are more likely to renew sails annually, purchasing racing cut sails from more expensive materials, fair the boat's bottom with racing paint, keep it scrubbed, race with seasoned crew, etc.
Another factor is that the boats that are being used for racing are generally never loaded like a boat used for family cruising. In fact, they are frequently stripped of every non-essential piece of gear that adds weight.
So while some of the figures you see for certain boats may appear attractive, those figures in no way reflect the real world effect on performance of sailing those boats with a short-handed crew, using a single roller-reefing headsail, an asymmetric cruising chute, a ten year old full batten dacron mainsail, loaded up with provisions and family cruising gear, sitting two inches lower on the waterline, towing a dinghy, etc.
How will you be using your new boat?