@ray12515 you will get different legit answers because there is such a wide variety in wood and finishes. Even a "rubbed oil finish" means totally different things to different people, and the "oil" used handles and behaves completely differently in water depending on how it is applied and exactly what type of finish it is. Also lots of riflesmiths live in the arid west and dont have experience dealing with really wet environments, and if you get someone with a "furniture" eye for finish you can get a really non-functional finish on some very high-$$ guns. They look great but they can be really worthless as far as dealing with much weather--but it doesnt have to be that way.
To a lot of people a "hand rubbed oil finish" implies a very thin layer of finish that is
in the wood, but
not built up
on the surface of the wood at all, ie you can still see the physical indentations of the pores on the surface of the wood. Lot of top quality hand-rubbed finishes arent like this, but it's a common misperception that a hand-rubbed finish is thin like this and doesnt have filled pores on the wood or any buildup on the surface. If this is your gun, this will almost certainly create a problem before long, especially with any abrasion from use mixed in--what happens is the abrasion from clothing, etc pushes some water through the finish (which , if its a natural oil without a poly component isnt truly water proof) or it gets sucked in through the thin spots in the finish, the wood swells, and squeezes out more finish, it then absorbs even more water, and you have yourself a downward spiral--what tends to happen is it handles water well for a bit, then as the finish wears it very quickly goes to shit. If you have a polymerizing finish (which 99% of "oil" finishes actually are at this point), it will withstand water penetration far better especially if its built-up much, but if water gets into the wood via the inletting or behind the recoil pad, etc it can start to work at it from behind. Especially be aware of this in the barrel and action inlet where water absorption will create a meaningful pressure point on the barrel and have it shooting differently than it did.
Definitely dont be afraid to use the gun, the best thing about a wood finish is that you can put a new finish on it, so worst case you get your self a refinish. Make sure the inlets are sealed, bring it, use it, and if you need a refinish, at that point make sure whoever does it floats the barrel sufficiently to deal with some water absorption, uber-thoroughly seals ALL surfaces including behind the recoil pad, inside any screw holes, inside the action inlet and the barrel channel, and get them to use a polymerized finish of some sort with at least some small degree of surface buildup, and the finish will last a lot better. If you talk to the right person you can get a finish like this that looks really good too--maybe not quite a real linseed oil finish kind of good, but close-enough to keep just about any wood-snob happy.
Edit: I see its a kimber. Thats a thin finish that is easy to duplicate, and its not well sealed, at least my wife’s wasnt. You could pull the action, pull the recoil pad, and seal any unfinished wood in the inlets well. Use a good quality oil-modified urethane finish, but thin it with mineral spirits by 50% (so half spirits/half finish). Keep it in the inlets, you can use a paper towel or a foam brush, but go heavy and let it soak in until it wont absorb any more, wipe off all excess, let it cure, repeat 3 or 4 more times giving the barrel channel a light sanding with 220-ish grit between coats so it smoothes out any grain you raise, and it wont get water in it from the inside. The outside will wear the finish off if you use it much and absorb water after some time, but you or a smith can refinish that easily.