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I would not have one built until I'd spent some time owning and using the boat how I'd expect. There can be such a wide gulf between what you think you want and what you'll really be happy with. There are things that I would have thought would have absolutely no value to me and things that I am SO happy I have. The real way to tell is to get some experience, the put your money down.
Having said that, I'd probably get a boat that I thought was close. I keep 150k or so for outfitting, refitting, fixing it the way I wanted. This may seem like a lot, until you start doing it! Boat bucks can go incredibly fast.
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