In any case, here's what we've been looking at:
Ikea's Reversible Bed:
Like everything else in our house - it is Ikea, practical, easy to build...and the likely purchase.
Wow Girl Bed:
My personal favorite. The ladder has a handrail. The slide is good for a quick dismount.
Pocono Bookcase/Storage Bed:
Don't get excited, I'm not suggesting the whole set - just the bed and headboard. This seems to be very flexible for whatever apartment we move to. I can't imagine us staying in one apartment for more than three years. It is really up to the rental market.