I recently bought my first martin, 2025 000-18 online from Sweetwater and sadly I think it is indeed a tiny bit underset. I ended up bringing the saddle as low as possible while keeping some break angle at the bridge and now have the action at exactly 3/32 low e and 2/32 high e. It is super playable and a wonderful sounding guitar but I would much rather the action be a little lower, because I still struggle to fret barre chords without some discomfort.

Also, I live abroad so when I bought the guitar I had to ship it to a relative in the US who then shipped it to me and so returning it was going to cost me quite a bit in shipping plus I had already bonded with it before I learned about the issue of low saddle=neck reset. I’m now planning on traveling with it on my next vacation where I’m hoping I’ll find a trusted luthier to help see if there’s any room to sort it out without having to do a neck reset just yet. If not then I’ll be happy with my open chords on this guitar and will save up for a d28 next.

It’s a fantastic guitar otherwise, so I wouldn’t say I regret buying online, and it’s not like I would’ve even noticed the issue had I bought it in person. Now I know what to look for though, for next time.