Buy used.

The whole LaPatrie/LaSiDo/Godin/Seagull/S&P/Norman/A&L family can be great bang for the buck (I've had a few). Few come from the factory or previous owner with a great set-up however. I generally set the truss, nut and saddle before using them, sometimes even replacing the nut and saddle (though it won't be necessary), but have never had any trouble with them playing well. Got a folk sized one (solid cedar top) now as a student loaner and it's starting to get its voice.

There are inexpensive Taylors and Martins which might suit. Solid top is a must obviously, but some with laminate back and sides can be decent sounding. I don't care for the Tanglewoods as a couple of my students have had issues with them, and neither have "opened up" like they should. Same goes for recent Yamahas, but some older ones are okay. My Harmony Sovereign was once the guitar you are looking for, but now needs work, others might suit you.

My experience with cheaper instruments is largely from sitting in the same room for several hours a day listening to students play, and once in while repairing those instruments. Haven't heard a decent recent Takamine or other major import for a while, but those Godins continue to impress me.

Good luck.

Peace, Mooh.