Your thinking seems to be sound in my opinion.
The only question is this:
Is the Stoeger .45 reliable?
I haven't heard anything particularly bad about them, but I haven't heard folks raving about them either.
I own the Stoeger 8000 9MM. I have fired over 2000 rds of various brands of ammo without one failure of any kind. It has been flawless. $369 NIB.
When I was researched the Stoeger Cougar, 99% of the comments were very positive.
The comments on the Beretta 8045 are equally as positive.
Brief history (not my write up)
When Beretta manufactured the "Beretta 8000 Cougar" it drew rave reviews and many were sold to very happy users across the globe! Extremely reliable, accurate, easy to shoot were just a few of the comments that described this gun. You just didn't find a bad review or for that matter a bad comment about this excellent firearm...except one "It's too expensive!"
While it was and is a great gun, and Beretta sold a lot of them, it was just overpriced for the market situation it was put in! This along with the rampid proliferation of polymer guns i.e. Glock, and it was just a matter of time till Beretta fazed out this nice piece.
The Cougar was then brought back in a deal with the Turkish Ministry of Defense to manufacture the Stoeger 8000 Cougar, (Stoeger is a fully owned subsidiary of Beretta holding inc.). Beretta shipped the entire Cougar production line from Italy to Turkey and the new Stoeger Cougar is manufactured on the exact same machines and tooling as the original Beretta branded model with Beretta overseeing QC. The only difference is the name stamped on the gun and the price you pay for it.