Lustre is affected in all manner of different ways, dependent upon what comes into contact with the coin and the coin's reaction to the atmosphere around it. You get mottled lustre as shown on the 1889 penny above, streaky lustre, lustre on one side of the coin only, and lustre on different parts of the obverse and reverse, just randomly distributed.
Sometimes you'll get a virtually uncirculated coin which has toned to the extent that the lustre has vanished, and other times you'll get a coin which has worn down to just VF, still with traces of lustre.
Typically, of course, lustre lasts for longest in the lettering where it is most protected from contact with hands and surfaces, rather than on the field.
Often difficult to pin down the precise reasons for a given lustre distribution in each case.