For a BC coast fishing/working boat A L U M I N U M - they are not cheap and not pretty but there is a tonne of crap in the water on the BC coast and even really paying attention you are going to hit something eventually. I've hit a few dead heads over the years and a lot of little stuff and other than a very loud noise had no major damage.
Other major point is almost all our shoreline is rock. We can run our boats right up on the beaches to clam, oyster, let the wife visit a tree etc. and not have to worry about hull damage.
Maintenance is very easy, there almost isn't any. Adding stuff is easy drill holes or weld on a new bracket and no worries about backing plates etc.
If hull noise is an issue (it's not for us, I don't find it loud at all) you can spray foam in the hull to act as a deadener. The down side of this is if you need to do any hull/floor welding repairs you need to be VERY careful not to ignite the foam.
The bumpier thing is a bunch of crap. A hull design is the same out of fiber as it is out of glass so the material it's buld of is NOT going to make it bumpier. The issue is more that welded aluminum boats are usually smaller due to their price and usually have less crap in them as they are usually not built as cruisers with all sort of appliances/water tanks etc. so being lighter and smaller are bouncier. Take some differnt boats out for a ride you'll find one you like the ride of.
The colder thing is also a bunch of crap. The issue is again that the welded aluminum boat styles tend to be open cabin fishing type boats. Depending on what you want to use it for a welded aluminum with a cuddy or a fully canvased welded aluminum with a heater is going to be as cozy as any other enclosed boat with a heater.
If you want a cruiser with appliances, beds and loungeing type seats you are probably going to be better with a glass boat as there are a lot more designs and styles to choose from. If you are looking for a 18-22' fishing/day tripping boat I'll go aluminum every time living in BC. Different answer if we lived in Florida
Have fun boat shopping!!!