As far as a finish, well there are many. But from the 3 you mentioned, matte stainless has it's merits, but is hard to touch up without a bead blaster, polished stainless is easier to touch up, by buffing, and does not show holster wear, but does show light scratching more. You did not mention, brushed stainless, it can be touched up with fine scotch brite pads, going in the direction of the original finish lightly, and since the finish is actually fine scratching, it hides scratches pretty well. Some of the synthetic finishes like robar, metalloy, armalloy, hard chrome etc... are very resistant to holster wear and scratching, but cannot be touched up at home. A good commercial blue finish is usually easily touched up with good quality cold blues when the time comes to pass the gun on, but normal wear and tear on something you own to use is only cosmetic, a tool that is used often is going to show some handling, it's how it works that counts. Personally I like brushed stainless.