I use my generator 24/7 when not at the dock. Have a 5KW Northern Lights on our Hunter 356. We use Heating and Cooling all the time since we have a water to air heat pump. It adds many useful days to our boating season. We started this season last weekend, our 15 th season on this boat and average 65 days per season, and will end it in early December. Most people don't use their boata as much as we do and we attribute a lot of our use to comfort in all kinds of conditions. I have 3117 hours on mine sine 2003 with minimal maintenance. Oil changes, impellers, belts and one set of injectors. We average about 65 decibels from it in the cockpit and the salon.m a noticeable hum, but after a few minutes it becomes background noise.
There are many types. Northern Lights has 3 cylinders, runs at 1800 rpm and has an underwater muffler. 10 to 15 feet from the boat no noise to upset others. We burn about 6 gallons of diesel in 24 hours. Fisher Panda has one cylinder in a comparable size and runs at 3600 rpm. That's the biggest difference. It is noisier and some have had problems with sensors, etc. others love the FP, but on charters, I've had some problems with them. May be my lack of understanding the difference.
Some use generators only to charge batteries not as we do to enjoy the comforts of home. If I were evaluating I would make sure the generator was rated,to run continuously, didn't make too much noise, had 3 cyclinders and run at 1800 rpm, and have an underwater muffler. If you have this kind of setup you have options. If you prefer the open hatch, absolute calm of an anchorage, just don't start it up. If it 100, little wind, bugs are near and you want to watch tv and sleep in a cool environment, then fire it up. This that don't have one can't!