I don't think its "just painted on". As for scratches, it depends how precious you are with your gear I suppose - dont get me wrong, I look after mine but it definitely gets used
I bought my Silver K-1 three years and one month ago; it has been to Spain, Portugal, The Canaries, Italy, Malta, all over the UK from Hadrian's wall down to Devon and across to Northern Ireland.
It has been used with zooms, loads of primes and a lot for the monthly Single-in Challenges here on the forums where it is used daily, transported by hiking and cycling as well as in the car. It is also used in the dark for astrophotography.
There are no marks on the upper parts at all. This is the base (which is no worse than any of the black models I have sold on - K-7/5/3):