I tell non-sailors "We own a sailboat, not a yacht, because when the toilet clogs, I'm the one emptying the bowl with a ladle." That seems to end the conversation without further argument.
I got invited to a yacht club for some future dinner, by one of the executives at work. He's completed a lot of races, some of them half way around the globe. During that conversation we talked for quite awhile. It was early spring so I told him about installing the inverter and a bunch of other projects. By the end of the conversation, the dinner invitation wasn't brought up again. Either he figured I wasn't a racer, that I'm a boat-systems nerd, or that I'm a boater instead of a yachtsman -- to this day I'm not sure what it was. (Any hints?)
Flip-side to all that... Sometimes when we tell non-sailors that we live on a sailboat all summer, they get a certain look. Then we say we have 5 bedrooms and 4 bathrooms. That seems to convey the idea that it's not camping. (If I start talking about things like inverters and microwaves, the typical non-sailor quickly loses interest, like I'm speaking Chinese or something.)
Yes, I have 4 heads to maintain. And no, I don't really own a ladle.
P.S. Rarely I'll say yacht, although I'm still a little uncomfortable with the word. In the winter it's usually "Honey, I'm going to the boat."
Sistership shown below. In the crew's quarters, we have one bunk to starboard (and the head was taken out).