As most of the posters have pointed out, the person giving you advice
is being unnecessarily restrictive in directing you to avoid brokers and any boat
not made of steel
. Not that you shouldn't listen to this person if he/she has ocean crossing
experience, but it does sound like you are getting as much prejudice as knowledge.
With regard to living aboard
in the Pax River area. You may be surprised to learn that the area suffers from extreme gridlock during rush hours for those working at the NAS and living on the Solomons side of the river. The bridge across the river is only 2-lanes and usually comes to a complete stop for the evening commute. If there is an accident
or a break down on the bridge or either side traffic can stop for over an hour. I know several people who work
at the base and lived on the Solomons side. They gave up on the commute and moved to the St. Marys side of the river. Unfortunately there are not many marinas
for live aboards on that side. There is a marina on the base, but it likely does not allow live aboards.
A plan to replace the bridge with a 4-lane one was being developed when I was last in the area (2012), but i'm sure that is at least a decade away from happening.
Edited to add: You may find some marinas
on the Potomac
(Smith Creek and Leonardtown areas) that allow liveaboards and provide a more convenient commute.