Just the general atmosphere is cozy around that boat.
-Will (Dragonfly)
They are cozy below. Pretty narrow boats (about 10' or less, 40's design), the saloons I've been below in, have the same layout. Owners, near zealots, tend to keep the boats as designed.
Most obvious are the Concordia pipe berths that form the settee seat backs. They fold down over the narrow settee forming a comfortable and cradling seaberth (I'm told), that is adjustable to the angle of heel. One deployed:
The bulkheads were built of pine frames with panels, often finished bright. They tend to be a little dark below so most are fitted with butterfly skylights. This one looks to be customized forward with a double to port and dresser to starboard.
Basic amenities, they are complete sailboats with a seagoing galley, a few comfortable berths and seating, a good head and copious storage for a crew racing or cruising. Most have a source of heat like this solid fuel stove.
You wouldn't want to live aboard a Concordia yawl but who wouldn't want to sail on one?