I think it is over graded. Besides the toning spots I count two nicks on the obverse and three n the reverse and those toning spots look like they could get darker. In ten years will there be a carbon spot show up? It is also overpriced by a lot. You should find a no brain-er for that price. Given the doubts you already have is a sure sign to pass. There will be more 44 D's.
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Wheezy, if you don't feel like going into detail here could you at least PM me on your spare time. I'd like to get some wisdom - What makes you think that the toning spots would turn darker? I'm not doubting you, I'd just really like to know so I can keep an eye out for stuff like that in the future. In case this coin were at $10 or something.