As a non-native English speaker, your semantics are incorrect. There is a nuance.
Habitable is an adjective and means it supports life (usually of humans).
Inhabitable is an adjective form of the verb "to inhabit" and deals with one's intention.
So habitable means something supports life and inhabitable means intending to live there is viable, possibly with some modifications to the environment to make it habitable.
As a native speaker, I'm going to push back on the nuance you suggest, and say that that distinction certainly does not exist in my idiolect. Which jibes with a quick dictionary check.
Neither word connotes intention, as far as I can tell.
Habitable is an adjective and means it supports life (usually of humans).
Inhabitable is an adjective form of the verb "to inhabit" and deals with one's intention.
So habitable means something supports life and inhabitable means intending to live there is viable, possibly with some modifications to the environment to make it habitable.
Just a minor nitpick.