Vaeel,
I have both types of box, with and without dim7 row. If the dim7 chord isn't there than I cannot use it and that's the only logic I can apply. At my level of incompetence, considering most of the stuff I attempt to play moves along at a fair rate, then I just do what I can.
Most French boxes, but not all, don't have dim7 chords and I don't know what they do to "cheat". In my case, on a five row 80 or 100 bass, I usually end up with a finger in fresh air off the bass keyboard looking for a button that isn't there. Fortunately I haven't suffered any serious injury as a result, and I hope that situation continues.
I suppose if you were playing for an audience full of accordion critics, then any note, chord, or other interjection that "just shouldn't be there" will be spoken about for the next 20 minutes or so.
Several of my family and I used to breed and show singing canaries. Not a single bird could sing the whole repertoire, but they all did their best. Any that were really poor performers with bad "faults" ended up in the pet shop fast before the other birds copied their faults. In those days (over 50 years ago) my ear could detect which bird was good and which wasn't. By the time I was 35 I could hardly have told you whether the singing bird was a canary, a parrot, or a cockatoo. These days I just take my boxes out of their cases and play them as they are, without worrying about what notes are in my bass chords. If I get sent to the pet shop I just hope I end up in a good home!
As the famous Scottish player, Sir Jimmy Shand would have said, "I hear what you're saying son, but you'll just get the tune the way I can play it!"
As Paul has indicated, a 96 bass accordion in standard 4x2 configuration (16 rows with a row of dim7 chords) will give you all the options, and avoid you buying an instrument that isn't suitable for the styles you play. Your mention of "classical" would tend to suggest 96 bass as your best option.