The only way I'd be on a houseboat would be as a guest for a day or two with only very fine weather.
As a kid, my feet only touched water in the ocean at the very edge. Later, Chicago area, I go as far as up to my knees. I took my first set of swimming lessons around then, at Northwestern, and have described my useless kicking on another thread. Skipping along, I finally learned how in my later thirties, and got to love it, but only in a safe YMCA pool. No ocean (which was nearby where we lived in California) for such as me. I loved the beach, loved running right by or in the watery sand, but no attempt to swim. I had a hard enough time trying to tread water in a Y pool, much less the ocean in Venice, CA at any time of day or year.
I've only been on boats a few times in my whole life -
Fishing with a neighborhood friend of my age, my dad as the adult, in Wisconsin's Lake Tomahawk. She's the one to catch the dogfish shark.
That was just a rowboat.
Long later, one of my smart ass group girlfriends (sag for short) threw a party by hiring a yacht to celebrate her and Leo's engagement. I was particularly pleased that the yacht didn't venture out of the Marina; the food and drinks were terrific, and we all liked both of them. A yacht rental? Those two had money - not all of us did, let's say a mixed group of pals, moneywise. It was a memorable pleasure and I can still picture it.
Then there is the San Francisco area, circa Sausalito. I was never out there studying the boats, too busy driving north, but a teacher of mind lived on one of them for some while - my favorite teacher, later colleague, and we'd still be conversing, I hope, if my internet ability would pick up.
He is Japanese American, very short by american standards, hefty knowledge, and taught our class how to ride bulldozers.