Am I Being Ripped Off? 1832 Capped Bust Half Dollar

When trying to determine a grade, it's also very important to determine if the surfaces are original or have been cleaned. This is difficult to do if you are not used to looking for it. At first glance, your coin does not appear to have tell-tale hairlines that denote cleaning, but it may have been dipped in the past. More of these coins have been cleaned than not, unfortunately. These are from an era where cleaning coins was common because they became so dirty that ladies did not want to handle the money. Hence, hotels and even some other establishments had "coin cleaning services".

The only thing I saw from the pics you provided that may indicate cleaning is luster around some of the stars that didn't continue through the design. If this is the case, it has probably been cleaned at some point and the $200 offer would be pretty fair.