I bought my Cruiser 37 in 2014, and loaded it with options at the time. Some of those "options" were really essentials. Bavaria keep messing about with specifications, so I'm not sure what's currently standard or optional. But I'd say the 2-cabin version is the one to go for - the heads/shower area is much better, and you get a proper chart table. Go for the second water tank. And extra battery capacity. And the larger D1-30 engine. And an autopilot. And lifeline gates. And the extra winches. And certainly a bow thruster if you plan to use marinas.
It's important to specify most things as factory-fitted, rather than dealer-fitted, and get the dealer's written pledge for this (because they'll try otherwise to charge you the option price and then do a cheap install themselves). The quality of factory installation is excellent, far better than the average dealer. Exceptions are heating (as I believe the factory fit still doesn't include an outlet in the heads/shower) and the sprayhood (CJ Marine or Tecsew do a better job).
The Garmin equipment is very good, and all integrates seamlessly. The factory installation is very neatly wired. I have plotter, radar, VHF with AIS, instrumentation, autopilot, and it all just works beautifully. I also went for the Fusion sound package, which is very good, has saloon and cockpit speakers, radio/CD/iPod connectivity, and has a fixed remote control in the cockpit and a handheld remote in the saloon.
I had a factory-fitted microwave, which wasn't cheap, but it's a good unit and is very nicely installed.
My previous boat was a Hallberg-Rassy, which I only sold because the teak deck was within a couple of years of needing replacing. I vowed never to have another teak deck! So I specified complete DuraDeck fake teak on my Cruiser. It looks good, and it's virtually zero maintenance - just a wash with a sudsy sponge now and again. I'd seriously suggest you consider it, especially as the standard Bavaria teak is only about 6mm thick.
So what's the boat like? It sails well; I have in-mast furling. It's quick. It feels safe and competent. I usually singlehand it, and find it to be very easy. In the marina, it's cosy and welcoming.
Bad points? Not many really, only a few niggles. The pressure pump for the hot/cold water is incredibly noisy; I'm considering relocating it to the cockpit locker. As well as blinds for the windows and hatches, it would have been nice to have blinds for the companionway doors. The fuel gauge is hopeless. The single bow roller for the anchor isn't enough, you need a second roller for mooring buoys (I had one fitted). The cockpit seats aren't quite long enough for sunbathing. The cockpit table is a good strong bracing point, but it is perhaps a little bit too wide.
If you have any particular questions, please send me a private message and I'll try to help.