I have never seen the point in refinishing. A couple of points/ examples:
You have a $300 shooter, you spend $300 on a refinish ,which results in having still a $300 shooter, no value added
You have a $800 somewhat collectible gun, you spend $300 on refinish and you now have a $400 shooter.
You have a finish worn gun you intend to use and carry, you spend $300 on refinish, and in a couple years the finish is worn down again.
For the most part from my experience ( been carrying blued guns now for 40+ years) finish relating to wear and use starts slowly then accelerates for a little while then stabilizes and slows down again.
The most basic of attention and care will prevent a finish worn gun from rusting, so refinishing them doesn't add anything except cost