I wouldn't settle. There's no reason to. You have a pretty generous budget, you have horse ownership experience, there's no need to rush into anything. I do think that you could find someone who could locate some good horses for you for a fee.
When we got our second horse, a QH mare that was supposed to be beginner safe, my gut gave me warning signals. This, despite the fact that she seemed perfect in a lot of ways. I bought her anyway, partly because my daughter really liked her. Our first couple of weeks together were a disaster. But by then, we'd made a commitment. The seller would not take her back, and my daughter would get upset at the mere mention of selling her. So I sucked it up and hired a trainer to get her at least to the point where I could manage her. We are happy with her now - she's one of these horses that appears not to like people, but once she bonds with you, will follow you around like a puppy. I've really fallen in love with her. BUT, she was not the beginner-safe horse I wanted and probably never will be.
Something told you this horse wasn't right for you, that you wouldn't enjoy being around her. You should move on. At that price, you should be able to have a great selection!
One of the things I would do differently if I were horse-shopping again, is that I would avoid horse dealers, and instead, try to find a horse that someone has owned for a while, but is selling because either they outgrew it (lots of girls going to college stories), or have moved on to a different horse sport, or because of lifestyle changes (divorce), etc.. Our first horse Harley was that kind of a horse. The people who sold him to us were heavy into dressage, and while Harley was very successful at second-level dressage, being an Arab, he just didn't have the build or natural ability to go higher. They had a barn full of large, expensive, dressage horses. Harley was the smaller horse all their little girls learned on. They knew a little bit about his history, and I was able to track down one of his former owners. About a year and a half into owning him, his original owner (he is 18!) was searching for him on Facebook. I contacted her and she told me everything about him. She had sold him because of a divorce, but he'd been very special to her and she just wanted to know that he was ok. My point is that every owner Harley ever had genuinely cared for him. He's a lucky horse! It made him confident, friendly, curious, and happy to be with humans. My mare was picked up by horse dealers out west, trucked east where they flipped her for profit. Which is fine, for the most part. However, I found out later, again, through Facebook searches that allowed me to find one of her previous owners, is that she'd been treated very roughly. The owner before this person had wrestled her to the ground by the head. No wonder she was head shy and anxious!!!
Knowing a horse's history is very helpful in predicting future behaviors. Not saying you can't change those behaviors, but some are very difficult to modify once they've become ingrained. And a frightening experience can turn a horse into an anxious one that is submissive out of fear. They'll let you ride because it's been beat into them to submit, not in a true partnership. I think my mare genuinely enjoys being with me now, but it took a lot of work. If I'd known what I was getting into, I would have waited for another horse to turn up.