You would need to customize the Item Rate item shipping module to manage the cost for shipping on orders < 45 ... and then allow the regular Item charge and handling to apply ...
Look in the file:
/includes/modules/shipping/item.php
and you need to customize this section of code:
Code:
$this->quotes = array('id' => $this->code,
'module' => MODULE_SHIPPING_ITEM_TEXT_TITLE,
'methods' => array(array('id' => $this->code,
'title' => MODULE_SHIPPING_ITEM_TEXT_WAY,
'cost' => (MODULE_SHIPPING_ITEM_COST * $item_total_count) + MODULE_SHIPPING_ITEM_HANDLING)));
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