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I am answering based on my readings. My only experience is with FRG hulls.
Steel must be kept very clean from the inside which can be difficult to track down when you are thinking aout the far reaches of a boat's bilge.
Fiberglass is definitly the choice of the vast majority of live aboards. It has been around long enough to establish its reliability. After 30 years of boat ownership, FRG is the only choice for me.
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