For French or Flemish instruments consider spending the extra money for a soundboard painting. If you like the way an instrument looks, you will also get more enjoyment from the instrument. Tastefully finished instruments are also easier to sell. Well made instruments will hold their value. Manufactured instruments will tend to depreciate in value.
Instruments produced by famous makers can even rise in value.
Many makers will credit you with your purchase price as a trade up to a larger or more elaborate instrument. Note that natural wood finishes tend to hold up over time better than painted surfaces which may make trading up or selling a bit easier. Builder can help you select an instrument. After doing your homework by reading, listening and playing several instruments, a builder can help you hone in decision process if you know what you want and can describe you will be using the instrument and in what environments. A builder can also advise you on purchasing existing new or used instrument.