Hi Aaron, can't disagree with your decision to think about upgrading your system with a view to the long term. Particularly if you value buying new rather than s/h.
I do like the Focal's, I often hear comments that they tend toward the 'bright'. That may be but I think that's more system and room dependant than any significant issue with the speakers themselves. The 28 is a very satisfying speaker but I suspect the 38 would give you greater satisfaction into the future if affordable.
In the case of the 1028be a surprisingly good match I heard was with the little Puresound A30 tube amp, not sure if they're available in the US? It's worth baring in mind that a big powerful amp isn't a neccesary prerequisite with the Focals you're considering. Having said that another modestly priced 200w s/s amp made by Storm Audio from Poland also sounded really good with 28s from a dCS source.