Alk8944,
My experience with lined holsters is that they hold crud, dirt, powder, fowling, etc, and actually wind up creating more scratches on the gun that it was meant to protect. When I first started carrying a gun 32 years ago, I too thought a suede lined holster would help reduce wear. After a month or so when I finally figured out how my blued Model 10 2" snub was getting scratched, I did 2 things. First I got a stainless M 60 revolver that I designated as my carry piece, and a regular unlined leather holster. I still carry the same gun and it actually still looks pretty good, but I have purchased a new holster for it several times over the years. Because I designated this revolver as my carry gun, I do not get upset at all with the honest wear & tear it gets. As long as it functions 100% I will be very happy. Oh yea, I have also replaced the grips a few times over the years as they have worn out. I personally like the factory wooden stocks with a Tyler-T-Grip. I can usually get about 8 years out of a pair before I replace them.
Regards,
chief38