I was debating the same issue with my current property. After speaking to my tiler, he suggested I go for the matt finish because if it gets a chip in it, they can use an epoxy to fix it and you can barely tell if it's a neutral colour. If it's gloss he said you would always see any attempt to fix it up. I am glad I went with the matt in the end. But I guess it depends on whether it's your PPOR or purely for investment purposes.