Others above have provided good answers.
When I was shopping I was asking the same questions you are. I ended up with an F and electric gear. As I researched I found that I liked the idea of LOP and the extra 20 HP; so, that narrowed it to an E, F or J. The J just didn't seem like the efficient price/performance combination; read that as I am too cheap to pay a premium for a few knots!
I was pretty hard-over with having manual gear but, after seeing too many dogs, when my F came up for sale I made the concession to electric gear. I could have gone E or F. As far as maintenance, I suppose the inspections do add some cost over that for manual gear but the difference, in my case, has been lost in the rounding. IOW, if that kind of cost difference is a big deal then, IMHO, ownership is not for you! I flew a rental M20B for many years and absolutely loved the manual gear so, yeah, every time I flip the gear switch on my F I hold my breath, even after 4 years of ownership! Thing is, I'm beginning to believe that the electric gear failures we hear about are because owners skip the gear inspection/lube service. Like any other piece of machinery, proper PM is essential to reliability.
My F has most all of the mods: gap seals all around, cowl mod, 201 windscreen, dorsal fin, power flow exhaust. Anyway, I see about 143 kts between 8K-10K, WOT, LOP at 8-9 gph. Probably 5-10 kts slower than a J.
With no real data to back up my opinion, I can't imagine there is a statistically significant safety difference between ANY Mooney model. That is a consideration I never even thought of, let alone took into account when shopping.
Good luck!