I'd point out that it really depends on the boat as well. Many multihulls have a much shorter climb when on the hard, since they have a shallower draft to begin with. Also, many catamarans have accommodations in both hulls, so if work is being done on one, living can be shifted to the other temporarily.
Likewise, a monohull that has aft and forward cabins can allow living aboard to some degree better than a boat that only has a single cabin, especially if the work requires tearing up or working in that cabin.
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You know what the first rule of sailing is? ...Love. You can learn all the math in the 'verse, but you take
a boat to the sea you don't love, she'll shake you off just as sure as the turning of the worlds. Love keeps
her going when she oughta fall down, tells you she's hurting 'fore she keens. Makes her a home.
—Cpt. Mal Reynolds, Serenity (edited)
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Still—DON'T READ THAT POST AGAIN.