I have had this on going discussion with a friend over lined and unlined holsters. His argument being the lined holster is "easier" on the finish of the gun. Mine is the lined will hold or collect sand, grit and other thing that will do more damage to the finish of the gun.
I personally don't really care about the finish within reason. I expect reasonable holster wear on my guns.
This may bave been answered before if so Mod feel free to close.