Hi rmeador. It seems that everybody who tried living aboard is absolutely in love with their decision. I would expect to see some that didn't find it bearable after trying and gave up. Maybe those folks are just not as vocal. You, for example, had your first liveaboard experience through the winter and still no complaints. This is great encouragement, thanks.
I heard getting insurance for older boats is a trouble but I didn't know the bigger boats were more problematic to insure. I have a friend living on a 44' old roberts boat and he was able to find insurance. So I assumed that was a non-issue. I will have another chat with him.
I know there are some who live on 27 footers with their kid but for me, a <40 boat would be pushing the limits of my wife's patience
. 2 private, non-cramped cabins is a must for her, hence the look for a center cockpit.