I use a small (16x20 maximum) and very basic, amateur level cutter made by a small company that was based in central Washington state until it recently ceased business - it is branded Altos.
It uses a very ingenious and simple adjustment system.
It wouldn't fulfil the OP's needs, although they did have a much larger and more capable model that I have never seen, and would like a chance to use.
In my experience, if I have mats to cut, if I haven't cut any for a while I probably should do a couple of practice cuts first on some of the weirdly coloured matboard I have at the bottom of my inventory, because I'm always better at doing the cutting after I've cut a couple of windows
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I did a demonstration of the Altos cutter for my Darkroom Group a while back and it was a miracle - despite not having used it for a while, first mat cut, and no hooks or overcuts, and not a wavy cut to be seen!
I bring all this up, because of the comments up-thread about the pros and cons of having others do your mat cutting for you. I think it is a huge advantage to me that the cutter I have allows me to be able to cut my own mats. It adds flexibility to my printing decisions. I hate having to fit a print into a pre-determined size, because of the economics or ease of use enforced by needing to use pre-cut mats. If you are selling your prints, a professional framing shop's charges can have a massive impact on your profit margin! And if you like to give your prints as gifts, it can force you into really unfortunate decisions.