Maurice,
My wife and I purchased a Vision 46, delivered May 2016. So far a great boat and we love it. I solo sail the boat with perhaps 1% assistance from my wife so I setup the boat with this in mind.
The way you setup the boat will make all the difference. For instance, winches: standard is 3 manual. I upgraded to 5, all electric and had Bavaria add controls so all 5 are controlled from the helm stations. I did not choose the auto trim control, was told by owners and sales people that it was not 100%. I almost upgraded to the 75HP, but was told by the salesman that the 55HP was very capable and he was right, gets to hull speed less than 2000RPM. When the motor is required we sip fuel at 1600 to 1800 RPM going over 6 knots. also did not choose the bow/stern thruster, but did go with the bow thruster. I did not have the Fisher Panda Gen-Set and was told by owners and salesman that they had too many issues, but did go with the 2000 Watt inverter. I also upgraded to leather, only one head (electric) and two cabin layout for the better storage (only two of us). We did opt for the gennaker, but in hindsight should have added later a top-down furled instead of the sock. The rig is "semi" fractional and the headstay attachment is too close to the gennaker halyard causing issues with the gennaker. We need to modify the mast to move the halyard (or add another halyard) for a top down furler.
I do believe that it's all about the setup of the boat so if you want I can provide a spec sheet in excel. Send me your email address if you would like a copy.
We too looked at both the Cruiser 46 and the Vision 46 and based on several reasons went with the Vision 46: First, we liked the two cabin layout, one head. I really liked the offset companionway; it made a big difference in the layout. I also was concerned about maneuverability of the twin rudders. The Vision has such a deep single rudder that I had no concerns with rounding up and I was right, the boat digs in and is stable, with no issues of rounding. Mainly, our impression was that the Cruiser line was setup for Charter companies (or large families) and the Vision was setup for an Owner (couple) with a guest cabin. But, since we tell everyone our boat only sleeps two, it is perfect for us.
Stowage was also a big consideration and it is everywhere! Our bilge is bone dry so we can put anything we want in the bilge areas. You can almost crawl in the bilge in the galley.
The toilet (elegance) style is designed for a child, not an adult so I would suggest an upgrade if possible to an adult size seat. This wasn't available so we will be upgrading ourselves. We have upgrade other things, like AIS transceiver (Garmin 600), added touchscreen chart plotter. Otherwise, we boat is as delivered and our "list" is very short. Once we decide to take her to the Caribbean, we have a longer list but until then, the boat is perfect.
Hopefully this helps not only with your decision, but also during the setup / options selection process.
Good luck!
Stuart