Definitely a matter of taste... I have to say, I really like the appointments on the F-212XL standard. Really suits me. Ivoroid is much more my style than white plastic. Tortoise-shell is nice on the -40s, but I like something with a bit more contrast to the wood... Really, it's nice to have choices, right? Taylor hits a home run on this subject, in my book, because they have had a Build-to-order program the last few years where you can basically do whatever appointments you like. It's not cheap, but it's not ridiculous either.
And, Bill, to your point... I agree about the pricing thing. We had a TON of discussion about this in a previous thread, and maybe I'll concede that you can't get a US Guild for the price of a [pick-your-brand] import, but I think they're very competitive with other US-built guitars. More breadth and choice would be great to increase the "value" perception of US Guilds, of course... On that note, I have some high expectations from the New Hartford folks... Stay tuned; the game (remains) afoot!