Value is determined by a number of factors including age, condition, any "special issue", documentation, etc. You should check out the NRA Condition Grading Definitions For Antique Firearms. You can find these by using the Google search form to the right. To get a reliable estimate of the value of your gun, see a professional appraiser. Of course, ultimately the value of anything is what it is worth to individuals. What is it worth to you? What is it worth to an individual potential buyer. The gun may be worth more to you because it has sentimental value, e.g. it was your grandfather's gun.
Refinishing is the kiss of death for a collector, but to a shooter, it may enhance the value somewhat. Since the model 69A lists at $125 in Poor condition and only $250 in Excellent (according to my not-too-far-out-of-date Standard Catalog), you can't do too much economic damage. I too, have a 69A that i received Christmas 1963. As a collectable, it has very little value. This rifle was not even serial numbered! I am going to have mine restored just because it was soething my late father gave me. So restore away! Jst find a good competent person to do the restoration.
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