My only reservation about buying equipment with obvious apparent defect, even if it "
doesn't affect the final image", is how much the re-sale value will be affected if I choose to part with it later.
Having a potentially expensive piece of kit that I can't eventually get rid of at a "sensible" price will usually make me have second thoughts.
Unless the asking price is money I'm prepared to write off in the future, or the fault is something I'm confident of fixing, I'll usually pass.
With something like a scratched/dusty lens, the only real way of knowing whether the resultant image is affected is to have a known good example available to compare it to.
If you've got a known good example you're unlikely to be interested in a second of the same type anyway