I think what may be driving the grade is, overall, the coin has nice clean fields and very few distracting marks. Yes, the reverse rays do have a few nicks as does the Chief's right calf on the obverse. But, taken as a whole, the coin is quite clean and appears to have a nice "look." I agree that MS-66+ is a fairly lofty grade. In hand, however, the coin's grade might be more easily explained - images are only so good!
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