There is not and there cannot be a grammar rule to decide if we want to say that we live somewhere, we are living somewhere, we have lived, or we have been living somewhere. Our phrasing will depend on how we perceive our staying in a place. We have four Aspects, to tell that.
We live ON Earth. We usually view lands or seas as extents. We give at least psychological borders to areas IN which we are. We perceive routes and ways TO places. We happen to be AT landmarks and places.
Such are natural human variables for space, in English.
We can employ these variables for language. All kinds of English in the world have four Aspects: Simple, Progressive, Perfect, and Perfect Progressive — whether American, British, or any other.
Why think about cognitive variables, if tense patterns have not changed in centuries?
The term “cognitive variables” does not mean we talk only about matters that change, especially much or often. Cognitive variables are values we can apply flexibly.
We can think about the plain fact (I live here, Present Simple), its relevance to our current situation (I‘m living here, Present Progressive), a time span (I‘ve lived here, Present Perfect), as well as combine relevance and time span (I‘ve been living here, Present Perfect Progressive).
We can symbolize Aspects as extents. Activities IN progress are not full extents of our cognitive grounds. We can tell what has happened TO a time or event we choose to mark, as well as what we have been progressing AT.
We can have the value ON for our earthling basic variable. It can help us make sense with the stative verb use, the words for love, hate, and thinking.
Importantly, we do not change language. We refer for examples to the Corpus of Contemporary American English, COCA.
This is a dream come true. And I’m loving every minute of it.
(NBC_Today Sun as in the Corpus of Contemporary American English, COCA.)
Our earthling logic will not require prescriptive rules. We can visualize, we can use concepts and variables.
Feel welcome to the walk-through
Feel welcome to comment, as well as to visit the dedicated travel in Grammar website, travelingrammar.com.