Get the best of both worlds...pickup a used R. Taylor. I have been in this situation before as well (yes, it's a tough one...) and came to the decision that -- although I would really love to have a one-of-a-kind custom-built, boutique luthier guitar, the resale on it would be tough. Most people buy guitars by brand value as well as sound.
I honestly think R. Taylors are better than BTOs, and there are a handful always coming available.