Thanks! Appreciate the insight and the grading ideas!
I'm really not happy with 'Gold Standard Coins' out of Dallas Texas. The photos that I saw when I bought this coin and one other Morgan were, as many of you pointed out when I first posted them, were overexposed by too much flash, showed no scratches or blemishes. The one above was advertised as completely uncirculated. And the 1889 CC was 'lightly circulated'. But when they showed up, they were more worn than the photos I made my bids on. I'm hoping this isn't common practice, but I have definitely learned to look out for that sort of mis-reprentation.
Thanks to all of you - who clearly know way more than I do.