For me it's simple. I'm a cruiser because I don't race. I don't race because my boat is a cruising type boat not suited for racing.
I don't live aboard because I can lay in my bed and look at my boat at the dock.
I'll be a live aboard when I lay in my bed and look at other boats at the dock.
I'll be a live aboard when the majority of my possessions are on the boat with me - and my mailing address is somewhere I've never owned, leased, or lived at.
I don't cruise my boat around the bay, I sail it around the bay.
Lessons learned are opportunities earned.