I don't mind a patina at all. I've got a couple of newer slipjoints I've on which I've stopped the patina from forming, others I let go, others I've forced. It seems to me that the patina does very little to nothing to reduce/prevent pepper spotting. I'm a pretty free sweater and pepper spots pop up if I'm not careful, particularly in summer. I always try to remember to wipe the knife down at the end of the day, and run a pipe cleaner inside. Sometimes a little mineral oil, on some knives Ren wax. Guess I'm all over the map.
I don't get real worried about it and use the knives, but I have not noticed a patina giving much if any protection from rust. I do envy some of you guys around here that have great looking patinas and no pepper spots!
Anyway, my thoughts as to the OP: the more decadent the meal, the faster the patina. A ribeye smothered in scallops is pretty decadent!