Bubblers are to protect the pilings from ice jacking. Ice simply isn't an issue on any boat that isn't wall-sided. Further a full-time liveaboard boat, even will insulated, will leak enough heat to keep ice from forming up against the hull. My experience: winter '06 - Sweden, winter '07 - Washington DC, winter '08 & '09 - Annapolis MD, winter '10 - Bahamas (*grin*). Seriously ice isn't a structural problem for boats, although it does limit one's ability to go sailing.
Not every marina in and around Annapolis allows liveaboards. You'll also find a huge range of prices. Places I know of that allow liveaboards include Jabins, ALM, Port Annapolis, ACM, and Herrington Harbor. I'm sure there are others.
sail fast and eat well, dave
beware "cut and paste" sailors.
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