Elliot...can't help ya with marinas in Philly but I would say to avoid BOTH of those boats. Lots of better bats in the 25-27' range are available in decent shape and you should be able to pick up an older Hunter or Catalina that will serve your needs well for in the $5k area. Pick up a copy of Spin Sheet magazine (
www.spinsheet.com) and you should plenty of listings to pick through.
You can certainly live aboard a 27 as a single but ya know philly is damn cold in the winter and it won't be easy so think about it a bit before jumping in. On a boat in the winter you have to deal with heat...lots of moisture and condensation, frozen waterlines and midnight trips to the head through ice and snow. Further south I'd say go for it!