What do I need to live on a boat year round in cold climates?

How cold of a climate are you talking about?
All the boats are pulled out of the water for the winter where I live. Everything freezes over, that isn’t good for a boat.

Here is a photo of the houseboats on Lake Union in Seattle. This is the way to go.

A life boat or ice skates.

“I think it would be fun at some point in my life to live on a boat for a year or so.”

Try it for two nights; You might be sick of it by then.
Is it an affordable option anyway?

Bubblers around the boat to keep from freezing and cracking the hull, if fresh water. Dehumidifier and heaters for comfort inside. Satellite or cable for TV and internet.

My first thought was: a nice thick beard and a warm woolen scarf. I wish I had a real answer.

@Haleth, I was thinking trackie daks, waterproof ugg boots, lots of blankets and plenty of tinned soup. So your idea works for me!