With the amount of money you seem willing to spend on a 445 and if fit and finish are high on your priority list, I would think you should be taking a close look at the Tartans. You may have to shorten the LOA a bit to fit your budget, Than again I don't know your budget, but a T4000 is a beautiful boat and would be a real head turner.
I know, it is sacrilegious to even mention the word Tartan around here, but they seem to have put all the nastiness of the past behind them.
Talk with some recent owners and see what they have to say. I see plenty of new Tartans on our docks because the local dealer is located on our premises. Every time a new owner takes delivery of one, they always seem to end up as dock neighbors.
Tartan Yachts Product Catalog - Model Overview