Hi,
As you said, 445 is used for SMB and for D365 installation Microsoft uses it to copy template database file on SQL Server using a UNC path.
An extract from docs:
"Active Directory service required for Active Directory access and authentication. This is used by Server Message Block (SMB) during organization creation to create a 'template database' from the installation location on the Dynamics 365 Server to a UNC path on the SQL server."
I hope this answers your question.
Best,
Wahaj
(if it helps, mark it verified)