I would agree with a metal detector find. In this condition, I am going with it being in the ground rather than water, as water can smooth the devices more. It was also not in circulation long after it was Minted in 1946. Us detectorists do put coin finds back in circulation, however, I do not think this is the case. Great find for condition.
note that PCGS is the only TPG to deem that hits on the steps change the quality of the strike, something PCGS inexplicably does only for the steps on Jefferson nickels, but not for full bands on dimes, nor full bell lines on Franklin halves
instead many Jefferson collectors follow the approach of Q David Bowers, who defined full steps as a measure of strike quality, something that cannot be changed after minting