I'd like to add another point... diesel heat.
I spend time on the boat on weekends in the winter, doing cleaning, repairs
, upgrades, whatever. I find myself wishing for a diesel heater. I think if I lived aboard, I'd definitely get one. And it would be the kind that sucks in flue-warmed air through an extra tube-in-the-flue, then exhaust
goes out the normal part of the flue. Then there's no moisture build-up from exhaust
gasses going into the boat.
Interior heat slowly pumps
moisture - from cooking, showering, breathing, etc. -- out of the boat. (The warmed air absorbes extra moisture, and as that warmed air flows out a vent or cowling, out goes the moisture.)
Being cozy and warm has a lot of value. And women seems especially fond of it.