I'm very partial to the carpet liner myself. It just seems to make the cabin a lot warmer and drier on a cold night when sleeping on board. Also, just because the interior is carpet, it doesn't mean that you can't hang pictures and hooks on it. I use Velcro and it works out great.
Gabriel,
Check out a book entitled, "Fitting Out Your Boat" by Michael Naujok. It's loaded with a lot of colored illustrations and has a great chapter on various headliners, adhesives, and how to apply it. I found this book in my public library. If your library doesn't have it, it may be possible to get it through the inter-library loan system in your area.
Joe