If you're living aboard, you MUST get an insulated boat (aka winter package).
Do you want a land-locked lake or a lake along a navagatable river? Answering that question will definitely define the boat you're looking for. If you plan to run it a lot, then there are diesel HBs out there. If you're looking at a land-locked lake, then gas would be best.
Also, most manufacturers include the cost of delivery in the price of their boats. For instance, Destination Yachts has the 1st 500 miles free. My friend sold his 2012 20X88' Horizon to someone who's moving to Center Hill next week. He told me they're spending $28K for that move......it's about an hour drive! The road permits are killers, but the bulk of the cost is setting up and taking down the upper deck of the boat so it'll fit under bridges.
There was a houseboat show at State Dock on Cumberland Lake in Kentucky last weekend. Trifecta Corp. (makers of Sumerset, Thoroughbred, Stardust) had some very beautiful boats there! Sumerset had a beautiful new 18'X80' for sale for $369K at the show and it sold on the 2nd day. Destination Yachts had a new smaller boat there that started at only $150K.
Sailabration makes a pontoon style boat, like mine. This way, you don't need to worry about worn boots or gimbal bearings. Pontoon boats are bulkheaded every so often, which makes them practically unsinkable - like the Titanic! LOL! Sailabration is every 8' and Destination Yachts is every 5'. The pontoons are much easier to steer as well b/c the motors are in the far corners of the boat, instead of the center of the stern, like on the monohulls.
One thing's for sure, if you're building, the sky and your imagination is the limit on what your boat can be and how much it'll cost. If you buy used, be prepared to replace flooring and some of the decor b/c I'm convinced that people intentionally decorate them as tacky as possible!
Good luck!