Hello! I am not a Morgan gal and there are those here who can give you a recommendation on which TPG
to submit but I would like to give you some thoughts for your first submission.
We recently submitted 4 coins to PCGS for our first submission and while I felt they were on target for two of them, there were questions in my mind regarding one of them, which happened to be my favorite of the 4. It came back as authenticated but tooled. I can't even tell you how angry I was
. I took this beautiful coin to several dealers I know as well as a coin show to ask where the tooling was. I could not find one person who could definitively identify the mystery mark or marks. The dealer I purchased it from offered a refund, I refused because I really love this little coin. It was that offer that calmed me down. I have always been a proponent of buy the coin and not the slab so if I had to do it all over again, I would still buy the coin. I will eventually resubmit it because I find the "Tooling" tattoo so offensive but I find I still enjoy looking at it all the same.
While the TPGs have extensive experience and resources to come up with their opinions, please remember they ARE opinions and your enjoyment of the coin is what is most important. Or if you are slabbing to help a sale, listen to the wonderful folks here who can tell you which one to use for which issue. Cheers!