"The act of drawing your pistol from whatever container you choose to carry your weapon in, creates friction at the points of contact, and eventually those points will begin to show signs of wear. For that reason it would be unreasonable to expect that your personal sidearm will remain in pristine condition forever. It matters not whether your holster is lined or un-lined, as a lined holster simply delays the inevitable. If you practice hard your guns finish will wear, or maybe it would be better to say, develop character. You will have to learn to deal with it.
This is not to say we are insensitive to our customers concerns about holster wear, its just that the reality of the matter sucks. Holsters whether they are made of plastic, leather, horsehide/cowhide, lined or un-lined, soft leather/ hard leather do not protect gun finishes as much as we would like. Nobody in the industry (at least the ones that are honest about it) can claim they have the solution in their product.
Certain gun finishes are more prone to wear then others and this may be food for thought for those that are concerned about it. Blued finishes are at the bottom of the list in terms of durability and corrosion resistance, but IMHO nothing compares in terms of beauty. Parkerizing offers better corrosion resistance then bluing, but is only slightly better in the wear department. Baked on Teflon or Poly finishes offer better corrosion and wear resistance then bluing or Parkerizing but can scratch easily. Hard Chrome and Nickel based finishes such as NP3 offer excellent wear and corrosion resistance, but are only available in silver or gray finishes. And then finally, there is always stainless steel. Stainless steel is not totally corrosion resistant, but the appearance can be maintained by polishing or bead blasting when needed."