On all folders and on short fixed blades less than 5 inches that I use for utility tasks and food prep, I am pretty consistent: stainless steel, no coatings. I like the smooth stainless finishes whether satin, matte, or stonewashed, and they are easy to keep clean and generally also don't show uneven wear and scuff marks as much. I agree with OP, the finishes do LOOK really great in some cases, but I generally avoid them. Recent example: the TRC Knives K1-fuller blade, discussed in another thread, has a beautiful jet black DLC finish that is supposed to be very good. If I did get a finish, I would get a black DLC finish of some type, and it would probably be that very knife. Go check it out, it is a work of art.
On larger fixed blades I use for heavy work (like my ESEE Junglas, Ratmandu, and Schrade SCHF52), I am also pretty consistent: carbon steel, coatings. These knives are mostly used for heavy tasks, rarely used for food prep. The coatings on the carbon steel do scuff up eventually, but they really do help minimize formation of rust on the blades and ease maintenance a bit. I have not yet gone the path that some here in the forum do, of intentionally removing all these coatings, and then allowing or even causing a patina to form.