Fine ship? To paraphrase Moriarity from Kelley's Heroes, "she's a piece of crap!" I'm thinking mostly of the substandard rivets they discovered were used in an effort to save money. Like the whole "not enough lifeboats" thing. Well, the lack of lifeboats was also driven by aesthetics.
If you traveled 1st Class, yeah, it was a wonder, all of the comforts of home. For the rest, meh, not so much.
To be fair, TW, yes White did speed up but he also re-routed the ship to the south, away from the sighted ice field.
There is also a report that when the iceberg was sighted (on a moonless night in an unusually calm ocean making the berg very difficult to detect visually) the helmsman was ordered "hard a-board" meaning away from starboard, but being younger did not understand that meaning and turned instead to starboard. It was corrected fairly quickly, but even that little bit of mis-direction contributed to the loss.
When you stop and look at the entire sequence of events, it really was a charlie-foxtrot all around.
Or, as TW noted in the OP, perhaps a series of Divinely directed events.
There's a newly released photo today showing a tiny fraction of the human loss. The picture was shown before, but heavily cropped to show only a single boot. Now the pair of boots, and the remains of a jacket next to them, are clearly the evidence that this is where one of the bodies ended up.
http://www.foxnews.com/us/2012/04/15/officials-say-human-remains-may-be-at-titanic-shipwreck-site/#ixzz1s5K79C9U3?test=latestnews