"I've been using an HD-28 as my main workhorse acoustic for 11 years, and it is a wonderful and practical instrument. On stage and in the studio it always gets the job done; I've worn through 3 sets of frets so far. I have had several genuine 1930s Martins and this is my favorite, a real "Cannon of Nazareth"."
Ok, let's see here... one Martin HD-28, $2500. 2 fret jobs, $600. The cost to own a truly wonderful dreadnaut for 11 years, $23 a mo. So, for less than a dollar a day a person could have all the pleasure a truly fine instrument can bring.....sounds like a deal to me.