You're going to run into a lot of trouble if you're bothered by inconsistency in the meaning of suffixes. There are other "irregularly" formed -able words, like reliable and dependable (we say that we rely on or depend on something), and there are also other derived words that have developed meanings that don't correspond exactly to the meaning of the base word (for example, the adverbs practically and virtually are often used to mean "nearly, almost" in a way that doesn't mesh very well with the literal or original meanings of the words practical and virtual).
With a non-technical word like comfortable, it really doesn't make much sense to say that it is "usually used inaccurately". The meaning is defined by the usage. The Oxford English Dictionary does have some notes about the development of the meaning in its entry for the suffix -ble (first published 1887, so it might use some old-fashioned terminology) that indicate that this use of the suffix is actually quite old, and apparently existed in French and Latin before English:
adjs. in -bili-, -ble, were originally active (and neuter) as well as passive. Many of the former exist in English, e.g. capable, comfortable, suitable, agreeable, conformable, companionable, durable, equable; but the majority have become obsolete or remain only with a passive force, as in credible, audible, flexible, which is also the only use of -able as a living formative, e.g. bearable, eatable, likeable, preferable, insufferable, saleable. (For exhaustive treatment of these words see F. Hall Eng. Adjectives in -able; London 1877.)
If you really want a different word for it, you can check a thesaurus. Thesaurus.com shows some words with similar meanings, like cozy, snug, relaxed, contented. But vague words like this generally don't have exact synonyms.