I will definitely look into a charter.
Just offhand I would say I am pretty sure I couldn't afford a Ranger big enough that I would like to live on. Maybe for a month or two on a long cruise, but not for a year or two.
If I decided to try a liveaboard I think I'd be looking at an older, much bigger trawler.
But these are the decisions I am struggling with right now.
I can 'rough it'. I have spent the last few years living alone on an island in a construction site.
But probably due to that experience, I think I'd like someplace to live that's got all the amenities.