That wear shown in the pictures seems VERY common from all the H&R's I've looked at when searching for ones at gun shows. My guess is that it's a cheap finish and the damage is likely caused by the revolver being left in a soft, foam case. The soft foam cases that are good for transport are BADBADBAD for storage as the cheap foam attracts and holds moisture. They kind of ensure that your handgun is laying in it's own private little wet spot.
I will likely end up with one that has a similar finish, with similar damage. Not my first choice, but I'll take one if function is good--even better if the finish damage is reflected in the price.
You found a neat revolver!
Attention Brass rats and other reloaders: I really need .327 Federal Magnum brass, no lot size too small. Tell me what caliber you need and I'll see what I have to swap. PM me and we'll discuss.