Welcome! Don't let all of the negative people get you down, they are just trying to make sure you really want to do this. Maintaining a boat is a lot of hard work, but it's worth it if you really love being on the water.
Absolutely why we play devil's advocate. I think we all have an obligation to make sure the OP is fully aware of everything he's getting in to, since he doesn't have experience. Then once he does something, we'll support his effort anyway we can, even if we think he made a mistake.
I always had a business philosophy that the only wrong decisions were those made without gathering all the information. As long as you looked at it all, I was fine with it, even if not what I might have done. However, if there were several factors you just didn't consider, then I would have a problem. So, those presenting ideas to me already had answers to most any question I asked them.
With the OP there's not a right answer, to live on a boat or not. Neither is inherently right. But to decide without considering all relevant issues, that's a way to get into trouble.