You should feel comfortable with either choice. However, factory finishing offers many nice advantages. Factory finished flooring is inspected for defects at the mill so you receive first choice every time. On-site finishing depends on the quality of the workmanship that day.
Factory finished flooring usually installs more quickly and without the dust and odors that are involved with on-site finishing. However, even though factory finished flooring comes in a variety of colors, on-site finishing allows for closer color match with existing woodwork or cabinets.
Both factory finishes and on-site finishes are available in either high gloss or matte. Both types have exciting new finishes developed with space age technology. These finishes are not like grandma’s old wood floors because they require no waxing.