Hard chrome and electroless nickel are extremely durable. I had a custom built 1911 for IPSC over thirty years ago and the gun had been drawn and reholstered thousands of times over that period. It has been in the rain, dirt and used hard and shows no wear. It a brushed hard chrome and still looks outstanding, as good as new.
I also bought a model 15 that was in rough shape but mechanically excellent. I had it bead blasted and electroless nickeled. It too had been in and out of a leather holster thousands of times and is thirty years old too. It too looks as nice as the day it was done.
Between nickel and chrome, nickel is warmer in color than chrome. I’ve read nickel is a bit more for idiom resistant too. It’s probably a little softer but over 30 years of use neither show any west so I’d say they’re pretty even.
Don’t confuse electroless nickel with electro plated nickel. Electroless is in many ways a better finish in that it is much more even and uniform and plates in areas that are a problem for electroplating. My electroless nickel revolver has a beautiful slightly warm satin finish, not bright shiny plating.
If your gun is worn badly and not collectible there’s no reason not to have it refinished. 28’s, especially well worn ones, aren’t collectible so why not turn it into something that looks great and will wear well for decades. I just don’t buy into this idea of not refinishing guns.
I have a 34-1 2” that’s mechanically excellent but is really rough. It has pitting from rust and someone put cold blue over worn areas to try and make it look better. It didn’t work and looks terrible. I’m giving serious thought to having it bead blasted and electroless nickel plated as well. Doing this I can take an ugly but great shooter and turn it into something that shoots and looks great.
The idea of not refinishing a gun is like saying I have a rusted 1955 Chevy. Should I restore it or drive it to shows all rusted out. Do you see car collectors displaying their classics all rusted out or oxidized paint. No you don’t so what’s the harm. How many 28’s were made, 100,000 or more.
Excuse the bad photos.
Pictured is my 28 I bought new in 1978 and is near new in the box also my electroless nickel model 15 and my brushed chrome 1911. The color in the last two is a touch warm due to the light source.