I think one of the advantages of having a bedroom is that guests are not in your private bedroom space... unless you want them to be. In a studio, there's always the temptation to get some sort of futon or other bed that converts into a couch. And let's face it, that's a pain in the neck on an everyday basis.

Having lived for years in a Manhattan apartment that was likely smaller than anything you've looked at, I know that I would choose a smaller space with a separate bedroom, as opposed to an only slightly larger studio. But everyone is different.

I am sure that you would LOVE being walking distance from work which both of your "maybe" places are! WHOO HOO!