Re: Building a boat from scratch, but cant decide on what boat
Well, I'm planning on building a variant of a Bateau C19 this winter.
I like the Bateau (Jacques Mertens) designs because they're strong, lightweight, and designed for amateurs to build. Plus there's a really good community on line that helps you with build problems. Like this board, except for building Bateau boats.
As far as what you want... consider that the tendency with most people getting a custom boat is to design in everything they want in a boat. I sure am. But if this is your first scratch build, it's going to be hard to build anyway, even without a ton of custom mods and the kitchen sink thrown in. Consider building it to the exact plan you get, then modify it after.
For what you list in your first post, you are going to need a pretty big boat. You just can't fit all that in a 20 footer. A 30 or 40, maybe. But that's a big boat to build, and won't be easy to handle by yourself.
Where are you going to run charters? If you have a commercial captain's license you already know the requirements, but if you don't.... pretty much you're allowed to have up to 6 people on any non documented (documented as in Coast Guard documentation) boat if you have a commercial license. Even if you have a 60 footer, you can't have more unless the boat is documented.
To get a documented boat (specifically what's called a COI, or certificate of inspection) your boat has to have a number of tests done, plus it must be inspected while it's being built, and photo documented. You have to arrange beforehand with the Coast Guard to get all that done. The tests (mostly stability tests) cost in the tens of thousands of dollars to perform, and must be done on an exemplar of the model boat you're using or the boat itself.
So you see where this is going... I guarantee NO home built boat plans set has been documented this way... you're going to have to build the boat, pay for inspections, photo document, pay for testing, and pay the fees to get the paperwork done if you want to carry more than 6 people. I'm guessing you won't be doing that.
Soooo... probably you want to carry just a few folks out out. That's good, just make sure you get your commercial license first.
I'd suggest you decide what you want to do with the boat in the next few years... if you're going to charter, build a nice charter boat... 40 feet will hold 6 people nicely, have space for livewells and fresh/black water, a full head, small kitchen, etc. People paying for fishing or whatever want a nice boat. It's still going to cost the world to build, but you'll have a very high quality, exactly what you want boat at the end. Be aware you'll still have trouble getting insurance for a charter boat that you built yourself, though.
If you just want your own perfect boat, I'd suggest a design in the 20-25 foot range... that'd be big enough for a cuddy cabin or similar, with a bunk, porta pottie, and maybe a 20 gallon freshwater tank.
One outboard is fine, consider two if you want redundancy... it's ok to give up, go home and fix a broken engine if you're going out yourself, but paying customers are less understanding.
Wrapping up.. I'd suggest you pick a design you'd like to use now, then buy plans and see what you can do with it design wise. You'll want to lay out your bunks, tank space, fuel tank, etc. before you start to build.
Erik