As always , it's Your Gun to choose as you wish , and 10-7 is new enough and common enough your conscience can be clear .
As far as $ , you definitely wouldn't get back the cost of refinishing .
The other question is , do You * Want * a gun with XYX finish on purpose ? Evaluate on basis of would spending $ X on a particular finish give you $ X of satisfaction and enjoyment ?
On my bucket list , I want a Blue gun. Not the usual blue/ black, but BLUE ,like Royal Blue or Sky Blue Dura Coat .
As great as hard chrome , Mahovsky's Electroless Nickel seems a screaming value , and is supposed to be able to fill deep pits better than hard chrome .
But the pictured 10-7 doesn't look that bad , and has character , and I'd be perfectly satisfied to use it as is . Give it reasonable care , and you needn't be overly concerned about rust , unless you're in extra harsh conditions like salt water .