I've got a small patch on the underside of the neck right under where my thumb goes where the finish is missing. It is smaller than a dime. The luthier wants $90-ish to patch it. The online videos that show how to patch it reference materials that are at least half (and more) of the estimate.
My question is, other than comfort and aesthetics, is there any any real concern about this? I mean, could more finish get chipped off or worn off? And would that matter unless I were selling it?