About pistol finish wear when carrying... it's gonna' happen. Period.
Even stainless finished will get "polished up" a little, and on stainless pistols, there's still the grips (of whatever material) that will show wear over time.
I think a person is going to have to decide if they want to carry or collect, and I feel for those who need to decide.
I've got some I won't wear because of some assumed "collectability", and others I carry and don't worry if they get worn from the holster or even dropped.
I carry the Pup but thank goodness I haven't dropped it... yet.

As for wear, I can always send it back for refinishing if I just can't live with it showing some wear.