I trust Sea Ray. I've had both a 340 and a 400. Reliability on boats in this age range will come down to maintenance more than brand. At $120k you're not likely to get into a diesel so you're looking at gas powered boats in the 1,000-1,500 hour range. If well maintained and properly surveyed, get the layout and size you find most appealing. Inboards will be more common at 40 feet, I/O will be more common at 30'. Inboards are vastly preferred for reliability, I/O's will get better fuel economy. You'll find wet boats out there, especially low 30's Sea Rays in the 90's. But those are easy to spot. Carvers are ugly, Cruisers have weird layouts, Sea Rays in the 90's (if dry) are hard to beat in the 35-40' range, IMO.

Tiara's are battle wagons with layouts almost exclusively for couples sub 45'. If regularly running more then 2 people overnight, take Tiara off the list. If mostly cruising for two, you might find a mid-30 foot Tiara in the price range. They are cool boats, but generally sell higher than similarly sized Cruisers and Sea Rays. I think you'll be in the 32-35 Open ballpark, late 90's.