45mm is gravel territory, so i wouldn't want to ride that as a road bike (i tried, didn't work for me). Afaik, a "do it all" bike a la Vitus (recently featured on GCN) has clearance for up to 38C, not 45C.
In my experience, it's also annoying to change wheelsets, because rotors tend to rub, and it's just irritating to swap wheels.
My conclusion, having tried the one bike to rule them all, is that it doesn't work, and you end up with a shitty road bike and a shitty gravel bike. For most friends my size, i'd put them on something that clears 35 or 38C with slick tyres, aero, that being some really versatile, really fast road bike. Peter from Xiamen carbon speed is about to release such frame (you may be too tall).
And then for / if gravel, a real gravel bike with 50+C clearance and MTB tyres, a la dylan johnson, because gravel on skinny tyres is just bad news.
I think a lot of people drank the kool aid of the "1 bike", and end up with shitty everything. That's 100% my experience at least, and i see it around me too. Caveat: my group rides on the flat are increasingly done at 38+kmh, so we spend a lot of time over 40kmh, which means that yes, aero matters, so it's pretty much impossible to stay with the group if you're riding a school bus that identifies a road bike. We dropped a triathlon world champion this w-e because he's on a non aero bike with bad tyres, and we wore him down

Yes, I will flex about that for years to come

Last: my ideal gravel bike would be mechanical and semi external routing, to save on money / maintenance / livability, because road for me will always be 90+% of my riding. So it's not necessarily that expensive to run 2 bikes instead of 1, if you know what you're doing.