To my eye, the plating is gone.
Arching, initially, tend to looks grey, like dirty silver. On close inspection you will see lots and lots of tiny black pin point areas which have been oxidized black-these are actually micro pits. They polish out partially. They are caused by high voltage and spotty electrical contact- The fortuna flyers with the ball bearing wheel and motor draw really get this quickly.
The brass driver will actually have a bit more traction than plated. That is, before it wears out, as it is softer than the plating.
In looking at the shots, I notice that the wear line is rather narrow to my eye compared to wear i have seen on my own locos, both of which are very old.
Does this loco ride on track with a particularly sharp or raised inside edge, or crown in the rail head?
Typically the wear i have seen is a broader line on the driver. Perhaps this broader line is simply what happens with continuing wear.
I would guess that simply buying new drivers would be competitive with re-plating. To replate, if i understand the process, one might need to remove the plastic and have only metal for the electro process. Not certain however.
I have a very well worn , original 2018 with similar wear which appeared (or I began to notice) about a year ago.
I wouldnt sweat it unless it just bothers you aestehically.
You still have a lot of potential run time left in those drivers.
They will need to be polished clean from time to time as they will now oxidize similarly to brass rail.