both good systems in their own right. that 95SV is packaged initially with a GT52HW transducer . a 250w high frequency wide beam. particually useful in shallow waters. does start to loose punch when you get deeper. whilst 45-50mt isnt a puddle it is shallower than some offshore work. so your within the range there.
the Totalscan transducer features some pretty trusted and tried "but simple" elements from the lowrance parts bin. the same 83/200khz elements from their HST transducer that has been around longer than denim jeans. though its 83khz is a rather wide beam its half the frequency of the GT52 and returns a less crisp target defining image.. it does pump down deeper and pick up more fish.
so its a bit of a coin flip in a way
The Lowrance will be a box ticker and give more features for your dollars. the Garmin will have easier to use features.
Moose