I'd agree with your assessment, but only if we stipulate that the words "nickel finish" are being used in the context of "plating" and that that term should be limited to a specific type of surface finish resulting from the electrolytic process.
But you also are getting a "nickel" or "chrome" finish when you buy a firearm supplied from the factory with a name such as Tanfoglio's "Wonderfinish" (a "hard chrome"), S&W's "Melonite" (nickel telluride) or Glock's "Tennifer" (another salt-bath nitriding process using nickel).
Several manufacturers offer what they describe as "nickel" or "hard chrome" finishes as an option. These are almost universally the product of the same types of "electroless" process, so if they're included in the definition of "plating" then the ones above must also fall into the same category.
See what I mean?
Obviously, the least expensive way to get a hard, durable, corrosion resisitant electroless finish is to buy a factory model supplied with it. There are a bunch of them to choose from, and it is almost always a good deal less expensive than buying a gun without it and having one applied later. If it's an option on the make and model of pistol or revolver you want, of course.
Personally, I wouldn't spend the extra money for a "nickel" finish on a 1911 unless "electroless" was specifically mentioned. IMO, any extra money would be better spent for a basic stainless model instead.
I'd also point out that, IMO, it's more cost-effective in the long run to buy a 1911 already factory equipped with things like a beavertail grip safety, good high-visibility sights, ambi thumb safety (if you want or need it) and the like than it is to start with a GI-spec 1911-A1 and bring it up to the same trim.
Some folks will likely flame me for this, but at least I'll be in some rather good company (Clint Smith, for one). IMO, if you want the most all-around practical value you can get right now in a 1911 for your buck, take a close, hard look at the Taurus PT1911.
IIRC, your basic carbon steel GI-spec RIA 1911-A1 runs about $350-400. Compare one side-by-side with a Taurus, if you can, for fit, features, etc. before you commit to a purchase and see if you don't think you'd be getting a heckuva lot of practical value for the extra $150 or so.