After some deep meditation, I'd say it is MS-62.
Forget the steps on this one as that's not a helpful indicator of grade. There are definitely some bag marks but, nothing highly distracting or unexpected IMO. Jeff's hair looks worn but I think this coin may have been a victim of a weak strike.
The standout area for me is the pillars of Monticello. There are four very pronounced ones and the third is just as strong as the others. Circulation wear shows prominently on the pillars.
If you got this from a roll, it's super!
