The surrounding soil is pretty darned wet for at least half of the year here in Washington, so the gunnite and rebar and what not are getting exposed to water from the outside too - presuming that the outside of the pool wasn't plastered or something
An important point, I think, is that the pool refinisher did not do anything remotely close to a full chipout. The vast majority of the shell probably still has 1/2 inch of plaster on it. They did do a bunch of patching and put in new returns, but we also coated all those areas with some kind of waterproofing / sealer that the new builder advised us to apply. I forget the name of the stuff, will track it down.
I haven't been finding the chemistry to be all that more difficult to balance. So far, i'd say its been easier. However, the last time I was balancing a freshly filled pool was also my very first time, so its very likely that I have learned something over the years. Still, numerous references have said it will be more challenging to maintain the chemistry. So, out of paranoia, I've ordered up a new taylor test kit just for quality control!
At the very least, filling it now lets me see whether any leaks were created with the patching and plumbing they did. I'd MUCH rather find that out now than after new plaster is in there!