The majority of the time, refinishing doesn't get your money back when sold. You bought your gun at a very reasonable price so, why not just shoot and enjoy it the way it is? Your description doesn't sound that bad to me as long as the gun is servicable(lock up and timing).Original is the key word for collectors and yours would never be original again, if refinished. I see many guns listed on other sites sold as original when they're far from this condition? By the condition of yours I'd be sure it is original.
Personally, I love 29-2s, they're a great shooting gun. They've got the pinned barrel and resessed chambers and everything else I like in S&Ws, besides, they're just like what Elmer carried. Shoot this one and enjoy it. The one thing I would check on this gun is to see the cylinder doesn't back up a chamber while firing it(hasn't been abused)?
Steve