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It would depend on how you carry it. I've been carrying a blued M36 as a pocket gun for a bit over three years now and it's suffered no noticable finish wear.
Since you're concerned about the gun rusting from rubbing against skin, I assume you're planning to carry on a belt (either IWB or OWB). Even on my stainless guns, I don't like the gun rubbing against my skin so I always wear a thin tank top under the gun with another shirt over the gun as a cover garment. As to other concerns about finish wear, the best thing you can do is keep the gun very lightly oiled and carry it in a well-fitting holster.
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