I personally don't think you need to be "worthy" in order to play a fine instrument. If a complete novice wants to play a $10k guitar, who is to say that's wrong? I think there is also nothing wrong with advancing as a beginner on a fine instrument rather than starting off with a student guitar. However those with better playing ability and wider experience will be able to appreciate and maximize a guitars potential as well as discern what makes a really good guitar. The risk of a beginner dropping big cash on a fine instrument is they may not really know how a good guitar sounds and won't know how best to spend their money.
The luthier market is definitely overwhelming and oversaturated. I've gone through the process myself and here are my tips from my experience:
-It is worth the time and money to travel to various dealers to play as many fine instruments as possible! Do not merely rely on word of mouth, online reviews, etc. The only way to know if you will personally like the guitar is if you play it! Play as many guitars as possible at different price points. Dealers such as GSI, The Classical Guitar Store, Reverie Guitars, etc. should have some good options to try. There is simply no other way to better assess the sound and playability of a guitar. People will give their opinions, but their experience can be drastically different from your own.
-When testing guitars, have specific criteria in mind and test them out systematically. It is all to easy to spend hours testing guitars without really discerning their qualities and soon forgetting what they sounded like.
-Price is subjective! More expensive definitely does not mean better sound and playability. In fact, I currently play a $400 factory guitar that I like more than many luthier instruments that I have tried. Before this I owned a $7500 guitar that also sounded better than other guitars that were 10k plus!
-Don't be swayed by what woods and construction methods are used or by the reputation of the luthier... Judge every guitar on its own merits. If you allow your preconceived biases to affect your judgment on how a guitar will sound, you won't hear its true sound. For example, you say you've already settled on Cedar... big mistake. There are far more factors to a guitars sound than the species of wood used for the top. I know of one dealer who said that a lot of guys come in saying they want a traditional sounding Spanish guitar, but end up leaving with a double top. Don't assume you know what you want before you actually try something in person. I've played fan braced guitars that sound like double tops and double tops that sound like they were fan braced. I bet even the most experienced players wouldn't be able to tell you the species of wood and construction methods of a guitar through a blind test.. There are many of factors that collectively come together to make each individual guitar.
-I prefer to buy used or pre-made that you can try in person... I understand the excitement of having a guitar made specifically for you, but you save a tonne of money and take less risk when you can try a guitar in person. Even the best luthiers can't make two guitars that sound EXACTLY the same. I personally have made the mistake of having a guitar commissioned without trying it first just based on reviews and word of mouth, and I paid the price for it.
Wish you the best on your search
"Success grants its rewards to a few, but is the dream of the multitudes.
Excellence is available to all, but is accepted only by a few." - Christopher Parkening