I'll echo the sentiment to revisit the "ripping out the interior liner" idea. Odds are the manufacturer has integrated structural components into said liner. Something to think about. Now, as to the "am I crazy" question: aren't we all? Last I checked, most of us have a screw loose here and there, so what we think about the idea is probably a mute point. You can easily "make the boat your own", without the need to tear out the liner. By converting a settee into galley cabinetry, for instance, you change the ergonomics and layout of the boat.
Whatever you decide, it's your choice because it's your boat. Words like "resale" and "value" and "depreciation" really don't apply to most old boats, because they're worth whatever the next buyer is willing to pay. So, go ahead and spend the winter making it your own. Document the refit in a thread complete with pictures. If nothing else, your project will give us all something to watch over the winter. Good luck!