Hey SkyHigh,
I voted for the Tobacco Burst, but the reason is that your first photo shown is my guitar. When I knew I was getting an 814, I had a hard time deciding just as you seem to be. My daughter was looking at the various pictures on differnet web pages and she told me I needed a change from the normal top. I went along with her suggestion and the approval of the wife and we got the Tobacco Burst finish. I am glad I/we did.
I have a friend I jam with on Fridays most every week and he has the natural top on his 814 (both are 2010 models). They both sound the same (if any difference we cannot hear it as it is so slight). He set his up to play a little easier as he fingerpicks more. His has that clean pure look to it while mine adds a deep gloss touch to the top.
As stated by others, it is a personal choice in obtaining what we like and can get. If not for my daughter, I would have had the natural top basically just to save a few dollars. I am so thankful I listened to her. And almost every person who has seen my 814 in person comments about how nice it looks.
Good luck in your choice. I know it can be difficult at times. Either way you go, I do not think you will be disappointed.