It will show grey under the black or silver.
Unless you are super rough with the cameras you may never see it.
I've got one old XE1 that has been a daily carry since it's first release.
Ana uses it now and sometimes one of the kids takes it... still looking and running great.
There are very few scratches on the body and only one or two that go through to the grey color.
The on off knob is worn and the rubber grip has become bright but the black paint is still very tight.
Expect the same or maybe even better from the X100F.
If you get it to wear you should be very happy indeed as it will mean you've gotten great use of it!