I'm unclear why you disagree. I described factors limiting widespread adoption of old boat homes. You responded with an anecdote. It's not clear what a single datapoint proves.
If living on a boat year-round is actually practical, affordable and comfortable, how do you explain why so few people do it? I've offered one explanation (ie, it isn't, so people don't). Can you provide an alternative explanation?
I have lived aboard mostly in BC ,near 50 degrees north ,for most of the last 40 years, very comfortably. I have no desire to ever live on land again. My costs are around $300 a month. I haven't paid moorage in decades. I stay anchored.
My neighbours and clients say that their boat is the most comfortable dwelling they have ever lived in.
Some have the opposite experience. Why? Lack of insulation, and no good heat source. Many of my clients have tried living aboard uninsulated fibreglass boats , and found living in one is like living in a melting block of ice. The inevitable deck leaks don't help any. My clients all have steel boats sprayfoamed with about 2inches of urethane spray foam, the driest type of boat possible. I believe the main reason so many give up trying to live aboard is because their only experience with living aboard has been plastic, or much worse, wooden boats, with no insulation, nor adequate heat source.
I use an airtight woodstove, which dries out even the wettest interior in an hour or two. My steel hull and decks have no leaks .Welding is the best bedding compound ever invented.