Ventilation and proper storage of the clothes is the way to prevent the boat smell from getting on your clothes. Storing your clothes in air-tight plastic bins will help a lot. My boat doesn't have a "boat smell" because it is dry and well-ventilated. I don't have mold or mildew problems either, for the same reasons.
Finding a place to liveaboard isn't that difficult. I'd recommend you get Living Aboard
magazine. They're an excellent resource, as is their on-line listserv.
AC isn't that big a problem to retrofit, especially if you only need it for dockside use.
Lots of boats in that price range
that would work, including the Alberg 30, Catalinas, Tartans, etc. I wouldn't go much over 35', since the costs for maintenance, dockage, and such go up significantly with boat length. I wouldn't go much smaller than an Alberg 30, since you need a minimum of space to liveaboard. I wouldn't spend more than $40,000 on the boat, if your actual budget is $50,000 since you will probably want to keep some money aside for re-fitting, repairing and upgrading the boat for your use as a liveaboard.
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You know what the first rule of sailing is? ...Love. You can learn all the math in the 'verse, but you take
a boat to the sea you don't love, she'll shake you off just as sure as the turning of the worlds. Love keeps
her going when she oughta fall down, tells you she's hurting 'fore she keens. Makes her a home.
—Cpt. Mal Reynolds, Serenity (edited)
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Still—DON'T READ THAT POST AGAIN.