I have a S&W 4" model 65-3 that I am going to start using for daily carry/field carry/home defense and have settled on the holster I want. My question is whether to get it lined or not. The way I see it, it's stainless, bought used, has some nicks, etc., so I feel there is no need to line it. What are the pros and cons of lined vs. unlined holsters? Do you all agree with my thinking or do I need educated? Thanks in advance.