^this (except the skinny part). Between 2 kids seats in 2nd row and a dog that would constantly hop the bench seat, we opted for captains. I have often put adults in the 3rd row; 2nd row seats slide forward and the kids don't need much leg room (their feet are always on the top of the front seats anyway) so it's not the worst back there (very much depends on how long you're in there, our trips like that are usually under 20 minutes). Also, to me infant seat means the bucket style probably with the base that stays in all the time (won't be able to fold up that part of the seat up, I assume that's the reason for the fold 40 section inquiry). Also for your consideration, your kid's in an infant seat for what, 6 months to a year? Make your decision based on how the majority of your time with the car will be, not for less than 10% of it's life.
Another also, I learned after the fact, but in my last truck (Xterra) the manufacturer stated infant seats were not supposed to be mounted in the middle of the bench, it had a bit of a hump to it. I never had an issue, but thankfully never had to test how well it was latched in. YMMV depending on how closely you want to follow the safety rules (can't snap 2 seats to 1 LATCH hoop mount point).