floor finish

I have poly natural stained Red Oak floor in my kitchen. It is showing too much wear after 2 1/2 years.
I seriously doubt that the builder put down three coats of Poly as he claimed. Whatever.
What is my best option for a new finish after the floor is resanded? It will be a natural finish.
I am considering Swedish, oil, or water based. We have two young boys and no pets.
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