A factory refin I would imagine is a costly road to take. I think if you check with local music shops, or at the ReRanch board you could probably find someone qualified and willing to shoot a gold top for less. The bonus in having a natural finish is that its already level and smooth. It needs minor prep work, as it just needs some roughing and primer coat. Of course, to me and many others, a gold top sans binding is peculiar at best, so you may want the top bound. Good luck.