lwarden
Guru
From summing up all of your posts Sharked it seems a trawler like Mambo42's Defever would be a good fit, especially considering your budget. Or perhaps a Defever 44 or Tollycraft in the same size range. I would put the Bayliner 48 in that category as well as I don't consider them to be cruisers. I don't think a cruiser or sportfish is going to be a good choice considering your budget. A clean cruiser or sportfish in the 50' range is going to be closer to 500K. The trawler style is going to be far more livable as well.
We have been very happy with our Lindell which is sort of a sportfisher/convertable but we don't spend more than a week on it at a time. However, heading to the Bahamas from FL is somewhat like us heading to Catalina. Since Catalina is one of the few fun places to go in SoCal it was important we can get there in a reasonable amount of time but still it's about 80 miles one way. Having a boat that can do 18-20 knots means we can get over there in 4ish hours which means a 3-4 day weekend is feasible. The extra fuel to run at 18 knots $6 a gallon is an additional $400 for a trip, well worth it when it's snotty and you want to just get there.
If we had all the time in the world going trawler speed to get there and staying longer at trawler would be a better fit for us. Considering your use the speed doesn't sound important enough to deal with the downsides of owning a higher powered boat (and there are many).
We have been very happy with our Lindell which is sort of a sportfisher/convertable but we don't spend more than a week on it at a time. However, heading to the Bahamas from FL is somewhat like us heading to Catalina. Since Catalina is one of the few fun places to go in SoCal it was important we can get there in a reasonable amount of time but still it's about 80 miles one way. Having a boat that can do 18-20 knots means we can get over there in 4ish hours which means a 3-4 day weekend is feasible. The extra fuel to run at 18 knots $6 a gallon is an additional $400 for a trip, well worth it when it's snotty and you want to just get there.
If we had all the time in the world going trawler speed to get there and staying longer at trawler would be a better fit for us. Considering your use the speed doesn't sound important enough to deal with the downsides of owning a higher powered boat (and there are many).