May I add, Model 10s when new were not bought as a collector item. They were "working guns," bought for a purpose, such as by a police officer, security guard, home defense, etc. They tended to get used, and one that's been refinished in such a way that the use is camouflaged (as opposed to what you hear so often on this forum - "honest wear") is not something worth putting a premium on like you would on a "sock drawer gun" that doesn't have a turn line. Something with a finish like Cerakote, hard chrome, etc., has its place as a gun that'll continue in a working role where it might get some abuse or wear, but I wouldn't pay anything extra for it. In my own experience, I had several guns Armoloyed back in the good old days, but when I traded or sold them, I never expected the refinish to add value and priced them accordingly. It wasn't about being fair, but being honest about what I was presenting. Not at all saying that OP's dealer is dishonest, but it doesn't sound like he's being realistic about what he's got.