Cali I am with the rest of the folks here. There is too many bag marks on the obverse to get an MS-65 grade. It is hard to tell from the pics but the chest feathers could have some wear which would indicate an AU coin. Sorry but you asked for opinions....
Looks like a 63+ or 64 in the images. Accugrade was the first company to slab coins in plastic holders and started back in 1984. Alan Hager founded the company and was one of the top silver dollar experts in the country at that time. He started out grading pretty accurately if a touch liberal. As time went by he got more liberal and left the slabbing business in the late 1980's after PCGS and NGC took over leadership in the field. Many of the coins in the type of Accugrade slab you have are 1 or 2 points overgraded.
I recently traded for a large lot of S$1 in Accugrade's first generation (MS64) slabs and am very happy with them. Here's link to the thread. https://goccf.com/t/103747
I wouldn't try to cross that coin unless the luster is absolutely blinding giving it an outside shot at 65.
Assuming you are selling it for sure? I'd sell it "as is" and ask for $100. This is not a common date in choice mint state condition and your piece looks 63+ to me.
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