You can also jump from the side of Tugboat to side of Cargo ship bypassing the stairs, but it's a little more tricky. Adding a ladder to the top of tugboat also adds more create ways to get on oil, for example getting on top of stairs directly instead of dock.
Just a video testing out the new upcoming tugboat, as you can see you can live on it, allows u to place doors, bed/bag and even a turret appears to get powered.