I am about to put down 800 sq ft of hardwood flooring in my home remodel job along with the new kitchen I am building. I have looked at many alternative products. Here in Florida with a poured concrete floor, I would have to lay a plywood underlayment making the floor too thick to use a solid wood product finished or unfinished. So it is going to be an engineered solid wood product and these all come prefinished. But price dictates the durability of the finish for the most part.
I have decided on a Mohawk Floor product that is a very stable and well engineered product. But back to your point, these prefinished commercial products have a 25-50 year wear warranty. They use a ceramic aluminum oxide type finish that wears like nails. The only drawback that I see, is it does tend to look a bit "Plastic" . I remember my brother coming home from vacation and walking into the foyer and thinking some plumbing had leaked and the floor was all wet because it looked so shinny!
Good luck on your selection,