I've lived onboard in a marina in the Channel Isles whilst working. The winters can be really tough, even with decent heating, shore power TV etc etc. Don't forget the laundry 'problem' during the winter months. Another thing to consider is power requirements, long dark nights! Solar won't be much good so you're looking at wind and/or a generator of some sort. I don't know your age, what you regard as little money or your ability to disregard being uncomfortable, but boats in the higher latitudes can get very damp, very cold and thus very uncomfortable. A smaller boat is easier to keep warm and dry, but what about 'cabin fever'? A lot to consider, much of which depends on age/budget/expectations, but if you start with the premise you need to be warm, dry and secure at anchor in pretty 'iffy' weather then you won't go far wrong. Speaking of the Pardeys, don't forget they always seemed to have jobs in various places to top up their funds.
-------------------- Some see the glass as half full, some see it as half empty. I see it as too damn small.
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