Here's my two cents:
There are many, many good boats that should meet your needs for 100K.
Does not seem like a single guy needs a 47ft boat to live on.
7-8 ft draft is pretty deep, depending on your cruising grounds.
Statistically speaking, your first boat, as much as you plan, plan, plan, and plan some more, will probably not the boat you will be on in 10 years.
Considering rebooting your brain and post some more ideas here. You should get lots of useful feedback.
I'm ass u ming that this is the prospective boat? Vancouver Sailboat Inventory