Hi Kirsty,
Well, you've already listed quite a few more disadvantages than advantages, and you aren't going to buy it without looking at it are you, so it might be worth a nosey whilst you don't have stars in your eyes if Droitwich isn't too far.
In terms of your listing:
1. Can't tell what's going on there from a photo - could be mould or even a shadow as Athy said.
2. Kitchen one end and lounge the other is a bit unusual! Kitchen by the steering position can be an advantage for loading groceries, as the first place the dog stops and when you need a cuppa on the move.
3. That should be at least 3-4 annual oil changes, but its much easier to say the oil's been changed than to really do it, so at least it looks honest! Maybe it hasn't been anywhere since 11, or maybe the last professional service was in 11 and the owner has done the work since?
4. Most do! If it's out for a survey and you like it, then would be the time to do it - but the steel is too cold now for a decent job imho. Nick at Droitwich Spa Marina does do a decent job if you wanted it doing there this spring (I've seen him at work).
5. That's not really a negative - why would it have been done recently? You'd probably want your own on a boat this age and you'd be remiss to accept someone else's anyway!.
6. Athy answered that in terms of Liverpool Boats. You pay more for a quality fit out - just don't pay too much for something that's not worth it and remember that you have to live with it, so don't buy if you're not happy.
I've just spotted you've newly added that your budget is £38k - you may be fishing in the wrong pond as 10K can make quite a difference! All boats are a compromise, but if you intend to live on it full time then your compromises need to be well chosen. The saloon to kitchen displacement wouldn't work for me, for example.
Good luck!