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Planned refinish in the future or not, I tend to err on the side of caution... you never know what might accidentally happen to the stock, drop it, bump it etc... and you might want to have the stock refinished without the whole stock really needing it.

As I'm fond of saying:
It's just a little wood: real easy to take off... but harder than hell to put back on.

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A wise choice in my opinion. Especially for a working gun that will eventually get dinged and scratched. It's good to see that Heym lets the customer make some personal choices, in order to get the gun like they want, unlike some of the other makers in/near that price range that don't offer such options.

Erik