Quit describing my boat and just go out and buy one (or rather 2.5 with that budget).
Seriously, the Irwin 43 CC fits everything you have on that list - and my 38 CC does
except for the 55 HP engine (it's a 44), the wood trim topsides, and my 38 is 4k lighter.
And yes, I see the "no full keel" - define "full keel", mines a shoal draft long keel
BTW - the Mason 44 has a longer keel than the Irwin, and the rudder mounted to it, so just toss that out a 'no full keel'. It's also got more wood topsides.
My Irwin 38 CC with a PHRF of 126 (New England - PHRF New England - Handicapping - Base Handicaps
) is well
within the top 50% of similar boats.
and compares well with your PHRF of 123 - in the same region.
Keep in mind PHRF is a factor of all points of sail
Besides, you know once your wife sees my aft cabin you are sunk, screwed and tattoo'd; you'll be getting a center cockpit