Van, I see you're in the UK. I believe Collings Guitars are available. I'd look at those since I don't know that Blue Ridge or Gallaghers are available there. There's not much use in buying cheaper guitars, except the Blue Ridge, really, unless you just can't wait. There were a few good Yamahas years ago, and you likely had one, but they are not the same today. Only Blue Ridge competes.
    I've been most impressed lately with the Collings 12 fret dreadnaught and the Gallagher Doc Watson. Santa Cruz is close, and some are likely great.
    I have recently played lots of Martins and Gibsons and none really measure up unless they are prewar or shortly thereafter.
    Old, small Gibsons are popular with the Old Time and acoustic blues crowd, and they're good for those special sounds, but little else.

But first I think I'd move to new digs before I give the bastards any more guitars.