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).