Hi,
I'm the designer of the GFC Platform so perhaps I can shed some light on the pass-through floor. The floor has a 50" x 50" removable section that has two 25" x 25" hinged panels. The mattress is also panelized and snaps into the floor panels. This lets you slide the whole floor onto the loft portion when you want a lot of open space. But if you are sleeping two tall people upstairs and one wants to get out, that person flips the latch and a 25" square panel swings down and hooks underneath so it's out of the way. Each side has it's own swing down panel. Sounds complicated but it's simpler in use. You can also turn the whole panel sideways and flip the two squares open to make a bunk if you're traveling solo.
The other upside vs the Habitat is that it's lighter, can be used in a parking space when needed, and you can pop it up with bikes or surfboards on top.