Whether to refinish or not is entirely up to you. If you would like it to look more to your satisfaction, by all means go for it. Recognize, however, that there is a big difference in what is worthwhile aesthetically and what is worthwhile economically.
As for the ammo question, anything that is available commercially for that one will be conservative/moderate in performance. It can be stepped up a little with careful handloading, but not much. If more shove is needed another chambering is indicated. I load .32 Long for a late '40's vintage Hand Ejector and enjoy it for what it is: accurate, economical, easy to shoot. Have fun.
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