We don't plan on living aboard for a long time. We are planning on migrating to the east cost, and thought we might just do it this way.
We have had no repairs to deal with, other than work on the heads. I like to tinker, but when it comes to the head, I turn it over to others if possible.
We have the in mast furled main. We've had no problems with it. I was inclined to worry about the possible problems with a furled main, but so far, we're happy.
As far as a bow thruster. it would be nice at times, but so far I've not missed the fact that I don't have one. And of course, it's another system to fail. I'd probably love it if I had it, but ao far, there hasn't been a time where I thought "If I just had a bow thruster!".
Beneteau 423 #310