Guys,
Based on the picture of this rifle, which are ambiguous in some respects as to condition, I am not so sure you should be kicking yourself for letting it get away.
The bluing has somewhat of an uneven blotty appearance, as if someone ran several rags of the dark 44-40 gun blue all over the metal.
The color of the stock also looks overly dark, as if someone ran several heavily oiled rags over it, or stained it with a dark finish.
Hard to tell, but I do not see the type of overall, even wear, in all of the right places, that one would normally expect for an honest used gun.
So, don't be so hard on yourself. :-) There is a reason that your gut told you to pass this one up.
Mannyrock