This is my first post and I agree with you about this site, it is great and full of useful info. I am a liveaboard living in Toronto with my wife Vicky on a Roberts 44 offshore. I traded up to this boat from a Ranger 33 that I bought as my first boat. I also lived on the Ranger all year but when I got married she was to small for us. Anyway, DO IT. Buy a boat and do it. My wife is from the US who was living in TN working in a church when I met her and she just loves it on board, even in winter. $3500 US a month is a lot of money just going down the drain,
We spend about a grand Canadian a month to live almost downtown at a club with everthing you need. Just do it, you can't beat the lifestyle and all the people you meet makes it just that much better. We are going to take the boat south this year with other boats and I just can't wait for that. DO IT, buy a boat and move on board, thats all I can say.