
I think the other thing to consider is the fact that an 1899 error would be such an unlikely one that to convince any collector to lay out a lot of money, the error digit would have to be very clear. There is a perfectly reasonable explanation in Post-mint damage and that will be the one that any collector would go to rather than the much more unlikely error explanation.
Is it Occam's razor that says you should go with the explanation that requires the least number of unlikely occurrences?