THANKS to Justa Picker and others on this thread who have taken the time to share their knowledge with us! It's kinda frightening to think what my 1965 D-21, bought from a fellow graduate student in 1966 when he upgraded to a D-28, is worth these days especially since I use it as my "playing" guitar (it was at Mount Airy NC last week getting used pretty heavily) and it is probably worthless to a collector since I made the involuntary discovery (in Galax in about 1990) that too much insect repellent on the skin removes the finish from the neck. . . but I love the tone I get. Guitars are for playing not collecting. (and as far as I am concerned the most important part of my Last Will is the one that gets the instruments into good hands)
and my first guitar was a Stella for $35, in 1959.