We finally just up and did it. We figured out a way to finance some quartz countertops, and get a free undermount sink and sink installation -- which saved us about 750 bucks.
Initially, we'd resisted solid surface or stone because of price. But one of the salespeople (who we didn't actually end up buying from, incidentally) mentioned that investing in granite or quartz could mean the difference in selling the place or not. That sold me, even though I was personally sold on our old house in Waukesha by something as seemingly-miniscule as the built-in clothes hamper in the 2nd floor bathroom.
Maple butcher block for the island, too, by the way. Someday I'll feel like dragging a camera back in there to show you all the "progress". I've grown weary of this kitchen right now, though.