-If you get residency in a Schengen country you will be able to travel around to other Schengen countries on that permit.
-You have a lot of money to blow, so maybe you should spend a bit on a lawyer.
-You have money; make sure to have health insurance valid in Europe as well. Money and health insurance will make getting a residence permit easier, as countries obviously don't want people just coming in and becoming a burden on the social welfare system.
-Another thing making residence permits easier would be to enroll in a program of study or perhaps even language training (depending on country); this would also provide some activities/structure for your stay, which could actually be very good for you, as years of just wandering around may get 'old' quickly.
-The 90 days in 180 Schengen rule means that a 90 day period outside of Schengen in effect resets your 90 days (it is a rolling 90 days). You could theoretically, for example, spend 90 days in Schengen, 90 days in UK/other non-Schengen, 90 days in Schengen, etc. (the UK allows up to six months). Remember this: on any individual date, looking backward 180 days, only 90 of those days can have been spent in Schengen (including the current day one is in Schengen).
-If you're staying this much in Europe, though, some border control officials may get picky/uncomfortable with this. You would want to make sure to fully document compliance.
-Don't intentionally overstay your entry in Schengen/any country. Don't engage in document forgery. Don't try to bribe officials.

You lead a very privileged life. Enjoy it, but don't waste it.