Kangoo truck or car what’s worth it how are your experiences

Moin, I have a question. I’m a complete autonoob and I don’t know and I thought you might be able to help me. I’m planning to get a Kangoo Maxi or something like that. I need a car with either folded seats or loading area 2 meters space so that you can sleep in it. I’d have 2 seats in the front. I don’t care about PS and other equipment in principle too. I’m quite undemanding. Now the question is if I’m practically such a craftsman car ho le (in front two seats, separated driver’s cabin from the cargo compartment, back sheet metal instead of window) Would actually be enough for me and to sleep it is also cool if not everyone can look in. The Kangoo with such equipment are often with a truck registration where you probably save quite good taxes. But I have now also read that the insurance is then higher again so that the savings are lifted. Other option would be simply to pick one up with a second row of seats in the back which you can change with normal car registration. What are your experiences which option makes sense or is cheaper at the end. As I said, I have no idea, already a little googled but not found out. Is my first car and I don’t want to make any beginner mistakes. You would help me very much. Thank you very much!