Dougk,
How bad is the stock? Does the checkering need to be recut? these & several more questions need to be answered like any dings in the stock or just finish wear? You really have not given enough info to make a informed decision.
If there is only minor wear and no deep dings in the wood, I have saved several gunstocks by applying Pledge spray wax with orange oil to the stock with a soft rag several times a day for a few weeks. Actually the straight orange oil works best if you can find it. Just rub the whole gun down a couple times a day and alow to dry between coats. Imperfections in the finish will blend together & it produces a nice finish.
I think this will appeal to the "Mr Scrouge" side of your personality. Then if you don't like it send it off for a professional refinish.
Regards,