To the boats you listed above, the Irwin CC's are beautiful boats. I love the cabin layout, and they are just great. One of our users, Chucklesr, has a 38' Irwin CC. Just to give you an idea of what can go wrong (and this isn't a ding on Irwins, these kinds of things can happen to any boat), check out these threads:
Chain plate or impact.
Embedded Chain plate maint/replacement
And here's a bit of what I went through with my boat:
Apparently I'm not meant to have a boat...
I offer these because, as a first-time buyer, I want you to understand what COULD happen. May not happen to everyone, or even all that often, but it's good to be aware going in. I'd hate to see you spend the $35,000 and a few months later experience engine or rigging problems that push owning the boat out of your budget when a $15-20K boat might have served your purposes. On the other hand, if you have the resources to absorb the cost of these kinds of issues, you're free to ignore me (as most here do!).