No. Stainless steels don't have a "tendency to stain." They are rust resistant,
but they are not "rust-proof." Big difference between "not rust proof" and "tendency to stain."
Coating on a stainless blade (especially a folder) is a design element only.
Well, I guess it does reduce the reflections from your blade that might give your position away to the enemy when you are stranded deep behind enemy lines saving the world for democracy, mom, and apple pie.
Sir, obviously everyone has different experiences, but i spend allot of time in the swamp deep down here in the south and sweat and i mean when i come back i am wet head to toe like i jumped in the river, from sweat and obviously the lower half of me from the swamp water. when i go out i spend all day...not a 2 hour walk around. so i rust spot knives easily, regardless of oil used to coat. sweat enough, get wet enough and that oil will wear away on a folding knife in a pocket rubbing against pants material.
maybe it's my battery acid like sweat, maybe it's the chemicals in the sulfur springs areas, maybe the highly acidic soil in the dry spots, maybe the swamp gas? what do i know, but i can tell you blade coatings stop rust for me. i can make aus8 satin or polished finish and it will rust spot, s30v easily regardless of finish, many other steels as well, and any stainless steel bead blasted. h1 won't rust spot, and i don't treat mine in any ways with a protectant and they never rust spot.
point is, some like coatings for the "special forces/ninja/karate master/street assasin" perceived by some look....but there is some rust protection. it may not be the main point of the coating on a folder, but it does serve as a protectant for rust spotting.
ironically i prefer uncoated blades as i like the look of steel, but those knives don't come out into the swamp with me unless i coat them in marine tuf cloth...i've had good luck with that on stopping rust spotting. of course i use my h1's allot and never have an issue.
as my original post mentioned, i'll do it again differently and in detail......if you've never had an issue with rust spotting it's a non-issue for you. your sweat ain't salty enough to harm it, you don't spend enough time sweating, your environment isn't so acidic, whatever. if you have rust spotted knives, it's a nice option to have. it's not just for design......