Congrats! Is it just me, or do higher grade commems tend to get a break at the TPGs? I'm not referring specifically to this coin, but I seem to undergrade consistently on close-ups of almost any example.
IMO, I think usually NGC is a little tougher on commems (not this coin) on average, and PCGS seems to have a default MS64 grade for MS commems. So, yes, I get what you're saying, and agree to some degree.
This particular coin I feel is a low-end 65, but I got it for a great price (closer to CDN 64 money then 65 money), so I am happy.