You won't have much success trying to put the wood directly on to the hull unless you use very thin strips of veneer. It will work loose pretty quicky and is liable to rot underneath the paint as JohnHPollard mentioned.
Furring and ceiling is a very big job - it will take you weeks to do it if you aren't working, and months if you are. If you don't do a good job of it, your boat will be worth much less than when you started.
Don't mean to sound discouraging here - it's not that hard to do - but the reason that you usually find it on the high-end boats is that it's such a labour-intensive process.
Have you thought about looking for a synthetic leather/vinyl/fabric that you like and using that ?? It's much faster and easier to do a nice job with.
Get a large roll of brown paper and make accurate patterns, then cut out your liner and use contact cement to adhere it.