Dan I recall reading this thread on the Tiara owners forum awhile back. Pay particular attention to responses written by "Chris" as he's one of Tiara's top salespeople and works for Allied, their Miami dealer. I don't own a Tiara but I have corresponded with him and he knows Tiaras as well as anyone and struck me as being honest too. Check it out at:
www.tiarayachts.com/tiaradisc/document.jsp?docID=488
Incidently, I also owned a Monterey and had many of the same problems with my boat that you described. They are one of the most poorly designed boats made by a company that doesn't stand behind its products very well either, in my opinion.
Best of luck with the Tiaras
Dan