Ive also noticed a lot of large cabin sloops with wheel houses inside, that might be up her ally. Technically arent most yachts sloops, from wiki "A sloop is a sailing boat with a single mast typically meaning one headsail in front of the mast, and one mainsail aft of (behind) the mast"
What you are talking about here is a Pilot House. Typically they are on fully spec'ed offshore cruisers, and generally in the 55 ft plus bracket, although there are smaller models.
I was going to say you'd be lucky to find one for less than $200k (that doesn't need a lot of work) but there is this pilot house ketch for $130K
The catch with this one is its a 37 yr old steel vessel. It might blow the 'needs work done' part out of the water.
You do have some really paradoxical requirements on the wish list, i.e. wanting to save money and buy a boat, wanting a cheap boat that doens't need any work, wanting a boat like a motor cruiser, but not a motor cruiser, and with good light wind performance; (motor cruisers have terrible light wind sailing performance, hence the big engine), a boat for $50k, but that can carry a 12 ft centre console, wheel steering in a sub 40 fter, a yacht but thats good for game fishing etc.
Its sure good to explore what you can get, and what it is that will satisfy you (and the missus), but at the moment I would think the only yachts available that can meet those requirements are in the $600k plus bracket and would be in the form of a 60 ft Benetau or Jeaneau type set up.
I was going to post a joking post with a link to a Vindex launch, saying it meets all but one of your requirements (being its not a yacht), but you specifically say you don't want a launch. I am curious about why not? Cause it does sound like the uses you want are well suited to a launch. Possibly if its about fuel cost / consumption, and you are happy to go at yacht speed, then a displacement launch is actually what you are after? They do tick a lot of boxes (and have a wheel).