I have used and use both leather and kydex holsters. Both will wear the finish eventually although I think the kydex has worn the finish faster. I carry a hard chromed Combat Commander that has a "brushed stainless" finish that has worn bright where it meets the holster. If you are going to use a IWB holster I would go with the kydex as it wont sweat through. Thats why my Commander was hard chromed in the first place, better a little wear than rust.