I may be way off base here but it seems to me that constant use of a dirty gun could cause a "lapping" effect causing mating surfaces to wear. Also as mentioned above lack of oil can cause pitting & rust. When taking a gun afield I ride an ATV which gets guns filled with dust, sand, etc. Leaving all that in/on the gun can't be good.
I've been a mechanic most of my life and haven't found a machine yet that didn't benefit from a little maintainence. I'm not saying that if you put you gun up dirty it will crumble into junk. In the long term I believe that a lack of care will degrade the function and appearence. ( long term being decades) Slight surface rust doesn't affect function in most cases but it sure drops the value to me. If the slide on your favorite 1911 gets a tiny bit looser will it really hurt the function? I doubt it but that doesn't mean I will willingly let it happen.
I'm no expert by any stretch of imagination, just my 2 cents.
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