I don't see any wear and the fields don't show any of the darkening that comes from friction. Strike is decent and contact marks are minimal. If the obverse luster is subdued that might drop it from gem status but based on these pictures I'm thinking 65 with a shot at 66. Seems like a very nice Morgan.
Looks like some one-sided exposure to some handling, but it couldn't have been in actual circulation. Despite the gorgeous reverse, I can't see this higher than a net of MS-63 with all the marks and loss of luster on the obverse.