Mud, Gore & Guts
Join Date: Oct 2010
Location: Bloomfield, NJ
Bikes: 2012 Van Dessel Gin & Trombones; 2011 Masi Speciale SSCX; '87 Peugeot Cannonball Express
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If you're having instep problems, it's probably the footbed that you have a problem with. You either need different and possibly custom insoles, or your shoe is too narrow. My feet are dreadfully finicky about shoes, so I have to try them on before I get them. If they hurt anywhere, I have to try a different pair. When I went clipless earlier this year, I ended up trying on about eight different shoes and settled on the Shimano MT087 which are quite walkable, but stiff at the same time. You feet sound fairly similar, but possibly wider.
It also sounds like you want to go with a mountain bike or touring shoe, rather than a road shoe to give you some walkability.
The closure shouldn't matter for your instep. Any shoe no matter the closure system should be adjustable to conform to your foot and comfort level.