I went through this exercise with similar results expected. You can see what I did by looking through the build thread in my signature line,
the Cowboy/Hilton. A lot of your intention is going to revolve around what type of person you are and the conditions you are willing to endure. The Winter conditions are going to rule everything as Summer living can be done with any RV as long as it keeps you covered and has adequate space for your needs.
Here are a couple of things I noted from your first post: Living full time under Winter conditions in the snow belt without connection to 120V electricity is a fool's errand. You are going to need adequate electricity and lots of it. I have adequate solar to run everything but you will need more than that in the Winter.
Erecting an insulated shelter around the RV is harder and more cost than either rebuilding an RV and properly insulating it or building a shelter. There are also intrinsic problems that arise by your design, the most notable being moisture retention.
Heating with wood sounds like a real cost savings but once you factor in cost of all the things needed, the aggravation of feeding a small wood stove, and the actual heating effects, it is not the best. At best, you will be enduring 130f to freezing on a continual basis.
A tankless water heater will prove to be aggravation, they only work in the most sophisticated RV's and not that well. Search through Forum posts and you will find out why.
Your choice of an SUV will limit you as to how much you can tow and if you're not commuting long distances, a truck is a better choice.
Just from reading between the lines and remembering what other novices have conceived about full-timing in an RV, I would suggest this: Find Winter quarters in a place where you can be comfortable and you won't have to lay out thousands of dollars to make Winter RV'ing in NY a reality and an endurance test. While you are studying and sitting in the comfort of your Winter digs, shop around for an SUV and smaller RV that you can use for Summer use. Work through the different RV systems and how you wish to improve on them-solar power, plumbing, heating, etc. and where you will park. If done right, the cost savings from boondocking in the Summer will ameliorate the Winter costs of living in NY.
Best of luck with your forays into full-time RV living!
