Ultimately, it comes down to personal preference. I've been skating for a long time now, and I'm one of those people that notice even the smallest differences/discomfort/changes in my skates (kinda like a "princess and the pea" thing). It's probably why I have modded my retail skates so much in the past, and even with True skates, I've made many small trial and error adjustments to dial in the fit I prefer. I think ultimately, in terms of fit, if the boot is comfortable and doesn't give you any pain, it fits, because if you're getting pain after the break-in period (i.e. lace bite, arch pain, blisters, hotspots, etc), that's your foot telling you you're in the wrong type/size skate. After that, IMHO fit is subjective, generally speaking. If you like room in the toe box, or you like your toes up against the cap, that's personal preference. Could you dial in the fit even more to gain a bit more efficiency and response, sure...but if you're not having pain, I think in general, the skate fits.
In regards to whether a high end boot might be too much for you, depends on your technique and personal preferences... I prefer very stiff skates cause I lean very hard on my edges, so I've always gravitated to the higher end, stiffer models, and with my Trues, I have the built in shot blockers for both protection and added stiffness. IMHO, you should get a slightly stiffer boot than you can handle.