Here on the other side, about 30 or more of the 300 boats in our marina are liveaboards so its quite an active community. Also swimming pool and clubhouse, etc And we too are in an outside slip so we can sit in the cockpit and watch what we call the parade. There are 3 big marinas on this side, Annapolis Landing, Port Annapolis, and Jabins. All allow liveaboards. Port A and Jabins are working yards and allow you to work on your boat.
And Cy, I maintain that living on a boat IS fiscally responsible - especially here. Where else in the Washington area can you get waterfront property this cheap?
BTW, we can always take the water taxi to town if we don't want to dinghy