Unfortunately we do not have an HSA we have an HRA...which I suppose is great if you get sick and need something as its free, but being as I can't use it for the dentist and I have no prescriptions it is worthless.
Also just to reiterate, I wasn't saying withdraw from my 401k, just back off to get the match. I'd be contributing around 5k a year with match that way. But I see how having tax advantages outweighs the silliness of the funds offered.
On another note, when I truly "get serious" about saving for a downpayment, I guess the first place to back off is the 401k!