My advice to you would be to jump right in, and get your feet wet - without all the ditherin'.
I've owned only eight or nine, in .375H&H, .30-06, .45-70, .338, 7X57, .300Mag, .243, and others - not necessarily in that order.
I usually had to sell something, to get something - so, over the years, I've owned a lot of guns - including the high-grade 50th Anniversary #1 and Browning High-Grades.
To try to answer some of your questions -
Since I never actually "beat the brush" with my firearms, nor use them as hiking staffs while crossing streams - they were in as pristine shape, when I sold them, as when I got them new. Most modern finishes will resist your modest hunting efforts to harm them, and guns are not usually harmed by firing.
Speaking of fine finishes, some are truely bright, epoxy-types - but many have a satin patina. Yes, they are different from plastics stocks/matte finishes - but noway are they like "beacons of light in the night" - It's just that you aren't used to them yet.
The brightest can be temporarily dulled, while hunting, by the application of an automotive paste wax - unbuffed. The finish can be permanently dulled to a more satin sheen by rubbing down the stock with OOOO steel wool, and applying a stock wax afterward.
My current Ruger #1 is a .30-06 RSI.
Bone-stock, out-of-the-box, with factory ammo, it gives me groups under one inch @ 100yds, every time I shoot it.
With a .30-06, sighted-in 1 1/2" high @ 100yds, I figure I can hold dead-on game out to a point-blank range of about 300yds - which is farther that I can shoot accurately, and probably farther than I can see, unless I'm out in a field somewhere.
I've never had one shoot so bad, that I had to fix or sell it. Call me lucky, but every #1, and a few #3's, that I have/had, would easily shoot under 1 1/2" with factory ammo.
I would be more concerned (personally) of receiving a gun, ordered sight-unseen, that arrived with a stock that looked peanut butter plain, ILO having some nice contrasting grain/figure/color. YMMV.