I'm looking to upgrade from a Simon and Patrick SP6. It's been fine as my first Steel string acoustic, but now I'm ready and can afford to upgrade. I am seriously considering a Martin HD28 Sunburst. Any recommendations out there?
Martins are quite variable in tone between individual guitars, so I certainly wouldn't buy one with out trying it - been there, done that.

I'm a big fan of Taylor, because of their bolt-on neck system, but tone is a matter of personal taste.

As a general rule, I wouldn't pay extra for a built-in pickup, as I prefer to choose my own. OTOH, an installed pickup and preamp wouldn't discourage me that much either if I liked the guitar enough in other respects.

What style and genres do you play?