Sailing in the Gulf of Mexico and sailing in the Bahamas are significantly different types of sailing unless your just talking about taking the boat out for a sail occasionally. In the Bahamas your more of a cruiser than a live-aboard. True, you living on the boat in both situations but your location will probably vary more frequently cruising than in what most consider a more stagnant live-aboard. Some live-aboard never move from the slip... some actually can't!
What is it your looking for? Using the boat as a house or using it as a vehicle to get to new places or just as a sailing toy?
If your "Two Married Persons" means 4 people then a 36foot boat will get really small very quickly if all are not compatible and all have similar sailing interest. Any non preforming crew will soon become a problem for everyone. To some degree if your actually going to do serious cruising you will need to depend on the crew and a broken crew is a really bad thing that can occur quickly. While some things are very similar between boats and aircraft... the crew on a boat is far more active in most aspects and must be depended on at certain critical times.
I prefer a sailboat to a motorboat, and it is my belief that boat sailing is a finer, more difficult, and sturdier art than running a motor.... Jack London