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First off, what is the boat budget?
Getting AC and heat is not a big deal, most 40ft boats that would serve as a live aboard should already have shorepower and A/C.
For plumbing it would be best to have tankless water heater, you really wouldn't need a huge waste water tank as the pump out is usually at the marina. If you choose a nice marina they usually have nice facilities so that really alleviates both of those concerns.
In salt water you should plan to have the boat hauled no less than once a year to have the bottom paint reapplied and any other maintenance items come up.
I think it is a great idea, and if you find the right boat it would be pretty cool. I think a mid to late 90's sport cruiser would be cool, I mean in reality they are not much smaller than most one bedroom apartments.
When I lived in Destin FL the only reason I did not do it was because of the slip fee's. I could not afford the nice marinas + boat, and the ones I could felt pretty sketchy.
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