I am working since 12 years in a cold country ..
Used to sleep in the boat here even in November / December but admit that I am getting older and prefer more comfort
To sleep in the boat should be just an option .
I also would not book B&B in advance anymore . Once you are out of schedule with the trip the bookings are useless .
In most places during the RI were more than enough free B&B available and everybody who was looking for found a bed .