I'm shooting 150's cut to about 30 1/2in. My recurve is right about 51 pounds at my 28 inch draw. I have 100 grain inserts in my arrows with 125 grain heads.
I would start with the 90's full length and cut them down as needed for a 46 pound bow. If you are determined to cut to 28 inches then I would definitely go with the Heritage 90's. Also, if your draw is 28 inches, I would leave them an inch longer and cut to 29 max. As said before, glue in your insert(use hotmelt in case you want to remove them), then cut nock end. Then fletch and then cut them all as said before
That's just my thoughts.
God Bless,
-Charlie