45-50' "cruisy" sport fish or "fishy" flybridge cruiser

Yes, another boat recommendation thread. But they can be fun, right?

TL;DR - I'm considering an upgrade from my Bertram 38 convertible. Looking for recommendations and "stay aways" in the 45'-50' range, budget under $500k. Yes, I know this will put me in the range of older boats that will require maintenance and cautious selection.

If you get annoyed by long posts, you can stop reading now. If you want the details, here you go:

Family of 4 with two growing girls who are getting a little cramped in the small bunkroom of our Bertram. About 75% of the time is cruising the Chesapeake bay with some striper fishing mixed in. However, we don't like being stuck at the dock when the conditions aren't ideal, and we appreciate knowing our boat will get us home no matter what the conditions the bay can throw at us.

We've also done many trips to VB, a trip to Hatteras, and even a trip to Marathon and back. When "vacationing," we like to fish offshore, but generally aren't going on overnight trips or anything too hardcore. That being said, once again, we want a boat we are comfortable in and will get us home. Our Bertram crushes medium+ period head seas and aces following seas but doesn't like, in particular, short period beam and quartering seas (does any planing boat?). It doesn't slam, it just corkscrews a bit. Same thing during trolling - and i have no room to fit a seakeeper.

Rarely get a chance to do guys-only fishing trips, but when we do, i generally push the boat a little harder into tougher conditions because i'm ok making my buddies a little green. If the girls get sick or scared, that might be my last fishing trip with them...

I expect our boating for the next ~5 years will be roughly the same. My wife and I are both full time execs - so when we get out on the boat, we want to enjoy it and we can't always pick perfect windows. I have reasonably solid mechanical skills and have maintained my 38' bert with 8.3L cummins largely myself. I wouldn't mind paying someone else to do the work, i just have not found anyone reliable and available enough to suit my expectations.

Here's my wishlist:

Musts:
-flybridge with good sightlines, and seating for 4 to 6 people to have a drink and talk, vs. everyone just facing forward.
-solid build quality
-good rough water handling - especially in 3-4' short period chop (chesapeake bay, albermarle/pamlico sound, nearshore atlantic about 50% of the time, etc). Has to be at least as good as my 38 Bert, ideally a step up. We are pretty careful with weather, so i don't anticipate us getting caught in a gale, but we have to be able to make way comfortably in small craft advisory conditions. We just don't have enough time to wait for perfect weather.
-At least two good sized staterooms. A 3rd stateroom would be amazing and would trade having the 2nd and 3rd staterooms being small to get the girls room to bring a friend or two along.
-Reasonable fishing accommodations. Do not want a tower - would rather be able to squeeze under bridges. Good size cockpit, outriggers, livewell - the basics.
-Good engine room layout. I must be able to safely get to everything on the engines that could reasonably be owner-maintained. I'm not expecting standing headroom on a sportfish in the engine room, but i've got to be able to get to the outboard side of the engines and i'm 6'2 225 lbs.
-gyro stabilizer (seakeeper, etc) or room to fit one (realize getting a boat of this class with one already on will be tough in my price range - i don't mind adding it later, but i'm pretty sure this will unlock many more fun family fishing opportunities)
-No IPS
-Tender davit on the bow - or room to fit one

Wants:
-as above, 3rd stateroom would be nice
-A 3/4 enclosed flybridge would be amazing. I use to have an express and I can't believe how much i miss windshield wipers. We find ourselves in rain in the ICW and bay frequently and it sucks trying to navigate in busy traffic areas seeing through rain soaked isinglass.
-25-30kt cruise would be great. Don't need 40, but 18 isn't going to cut it
-would be nice to keep to a 0.5nmpg fuel burn at efficient cruise speeds. That's a little less than twice the fuel burn of my bertram, which i can get my head around
-would love Cat power. I'm scared of mans. Is that stupid? I really would like to do as much as possible myself. Scared of $50k or whatever 1000 hr service.
-Galley up
-Classic - would love a boat that someone will want to buy a few years down the line once the kids head off to college and our needs change.

Given this, and my price range - i'm very conflicted. The Riviera enclosed bridge offers everything we'd want, but i'm very concerned that the rough water performance would be a step down from my 38 bertram. Can i trust the reviews that say the boat is "built for australia" and plenty solid for our needs? Isn't adding 10' and all the weight and beam that comes with it likely to be a net benefit, and maybe a seakeeper will help where the hull falls short comfort-wise?

Definitely interested in the viking, cabo, hatteras, and ocean offerings in this range. Just lots of mans on those boats, and won't get the enclosed flybridge or likely the 3rd stateroom. Because i will be looking at boats that are at least a decade, if not two decades old,

Should i be looking at more of a cruising yacht to add basic fishing amenities to? I love Tiara's. Don't much care for sea rays. But besides the riviera, there just doesn't seem to be much out there that is really fishable. Plus i think the lower helms just waste a bunch of space.

Thanks - great thoughts. A couple of follow up questions:

To the point of "going as large as I can" - it doesn't seem like the purchase price for used boats in this range changes much with the size. I can only imagine that's because the real limitation is operating cost. Can anyone speak to the upkeep/operating cost difference between a 45-48' class sportie and a 50-53? Is it basically linear? In terms of engine size, is there a "step function" in there where ordinarily user serviceable engine components/filters/etc get too big and unwieldy for a single person to handle? Similarly, I've never used a captain and don't want to except maybe in specific situations. is there a big difference in handling a smaller boat in this range vs. a larger one?

Second - you guys seem to be confirming my inclinations relative to Rivieras. Wondering to hear from people who have been out on one of their ~50' SF models in rougher conditions?

Finally - if i skip the enclosed bridge - does anyone have a solution for being able to see in the rain? I polish the panels like crazy, have tried a bunch of different products, but nothing seems to do the trick like a gold old fashion set of windshield wipers...

Continuing my research...I've started to get interested in the Ocean 52 and the Post 50. It appears these will cruise above 25 kts with modest ~800hp diesels (the ocean with 3406 cats, which look like great engines). I imagine this comes at the expense of "heft" and perhaps some deadrise as compared to similarly sized hatteras and vikings which seem to use larger power plants to achieve the same cruise speeds.

Wondering what folks think about this tradeoff, and specifically if people have positive/negative experience with the ocean 52 and/or Post 50.