Hi Bisket,
Posted my ownership of several Martins on another thread and consider them to be overpriced(today's market)and overrated unless you can find one of pre-C,S&N vintage. When the acoustic boom hit in the '70's they had to go to thicker bracing to keep the lifetime warranty. Quality control also suffered.

That being said if you find a guitar(in your case this particular D-28) that 'feels right' to you and can't afford it at the time pay as much as you can and work out the financial details with the store, bank or your brother-in-law. DON'T pass it up! You'll make the necessary adjustments. It's a spiritual thing. Without getting all goofey or gooey the guitar 'spoke' to you...there's a connection. Buy it! It belongs to YOU!

In five years do you want the regret of not buying the guitar or 4 years of memories of music made on an instrument it took you a year of hard work to pay off?

YOU DESERVE IT!!...Geez, I'm turning into Oprah or something...