The OP says accuracy and reliability are MOST IMPORTANT.
That's easy: Sig 226 or Sig 229. My 226 is as accurate as many 1911's and has never had any kind of malfunction on any kind of ammo including re-loads.
Cannot go wrong with either one. More money, worth it.
But be sure to handle and fire as many of the aforementioned guns as you can...there is no substitute for a little bit of familiarity with multiple brands/models when looking to buy.