Back to the one of the original questions you had, and a lot of good input. Ultimately you probably need to make the decision on the cover material for the hearth based on what you think looks best (assuming you have the R-value underneath the hearth).
As far as the oiling, and it being close to the stove... the recommended oil for the soapstone (un-polished tiles) is mineral oil. I'm not saying it's non-combustible, but before I oiled my hearth with it - I did take a torch to some, and I couldn't get it to ignite. It looks real nice when its oiled, and it really brings out the color, but I do prefer the less glossy look of it not being oiled. Also the drawback of oiling is that it doesn't last all that long, so it will be back to the less glossy look in a few weeks if you like that look..... also if you have pets - they seem to like it (my dogs have sometimes licked the hearth after oiling... it is certainly not harmful to them at all)
On the sctratching and softness of the soapstone itself. Even though I move the stove on the hearth and try to be real careful for cleaning - sometimes you will scratch it. It is soft, but very easy to work with. If the stone is unpolished, some very fine steel wool will take them out easily. The harder, polished stone might be difficult to cover up scatches, but it probably would be less likely to sctatch it in the first place. Just go for the look you want.
If you haven't made your decision yet... below is an old link to the thread that does contain some beofre and after pictures of oiled and non-oiled.... though the thread was on a different topic.
https://www.hearth.com/talk/threads/5580/