Best 40-50ft Sporty Yacht under $2 million ?

Some things in your wish list maybe tough to combine.

first of all, you seem to be under the impression that a 40 footer will be easier to handle than a 60 footer. Nothing could be less true. A smaller boat will be more impacted by wind than a larger one. Also for crossing or operating in open water the smaller boat will be severely limited.

a dinghy garage on a small boat will be very difficult to find and if you do it will use up a lot of space inside especially in the engine room. Which is another reason for getting a bigger boat as an owner - operator… you will have to get in there do some some minor repairs and the bigger the ER the less unpleasant the experience will be

if you think a FB is unnecessary, I guess you have never used one. Especially in the bahamas where you need to read the water and the extra height is critical.

if you re just gojng to put out locally, anything will work other wise you need some storage and refrigeration space. For island hoping a watermaker is a must. All this takes space. Same with redundancy. Loose your generator and here goes the AC…. Turn around and go home. A second generator will not fit on a 40/50 footer

finally… anything under 45/50 is pretty much a floating. camper. If you re fine with camping, great. Otherwise, consider a larger boat, even slightly used to stay within budget.

It’s also very useful in SoFl at night with so many idiots missing running lights

The De Antonio D46 Cruiser has all you asked for, inkl little tender garage... and there is a larger 50 if needed...

Cramped, no redundancies, little fridges, limited storage. Fine for a day and occasional overnight but not much more. Certainly not what I would call a yacht.

you can install a watermaker on anything as long as there is enough room… which is always tough on a small boat.

you best bet at this point is to go on yachtworld and put in your criteria : price, years, size and see what you like

I tend to agree with Pascal that 40' to 50' can be a bit cramped, particularly if as I understand you are thinking to have up to 5 people sleeping on her.
OTOH, there's a difference between a 40 and a 50 footer - as well as between a flybridge and an open boat.
I spend at least half of each year onboard my 56' flybridge, and I might consider doing the same on a 50' flybridge - just.
But I couldn't even bear the thought of doing that with a 40' sportboat.
And mind, my view on boats is that they are all headaches, so you should go with the smaller headache which is large enough for your needs, rather than the larger you can afford!

I don’t agree with your last sentence as it overlooks one important factor: how easily you can deal with the headaches! Access to the various systems for maintenance and critically for emergency repairs mid trip. The bigger the boat, the easier it is to reach atuff

I agree that it's an important factor, but I'm more concerned about the daily headaches, rather than the occasional ones.
I mean, keeping the boat clean, dealing with cushions and covers, handle the mooring lines and fenders... You name it.
With these things that you must deal with every other day, size matters a lot, and they are the sort of headache that I like to limit as much as possible.

It's true that the flip side of the coin is that adjusting the tappet clearance in the e/r of the 70 footer of a friend of mine takes less time and is more comfortable compared to almost identical engines with one third less cylinders in my boat, due to the tighter spaces.
But at least you don't need to deal with this sh!t very often...