My SE One is showing signs of real fret wear.

But I guess after 3 years of SOLID gigging, my meager upkeep just isn't enough. With a good tech's name in hand the plan is to get these frets dressed back into shape along with whatever else needs to be cleaned up. At some point, though, with the amount of wear apparent here, there are only a couple of fret dressings left in this guitar. When would you consider refretting your guitar? Or rather, would you consider refretting an inexpensive guitar or would you just consider it worn out and replace it? Seems wasteful to me - especially for a really good sounding guitar. Needless to say, if it gets refretted, it's going to PTC.

Also, if refretting is done, would you consider stainless frets? Am I asking for a tonal shift?