Buy The Coin And Not The Holder.

Many start out wanting the nice white coins and as they learn about original coins, toning, etc they gravitate towards toned coins. I like a nicely toned coin too though some look great blast white like the Walking Liberty half. It throws off so much luster when's it blast white.

For the record:
I really like toned coins as well. However, my example presented itself in 2005 or '06 and I spent a week deliberating. On ebay, if you can believe. Had I not purchased it when I did it was destined to be sold at the Baltimore Show with a week's time. It would have sold in a heart beat.
Also, there is not a collector nor a dealer who has not drooled when viewing it. Several asked me if I were willing to sell. "Sorry, not today."
And yes, BuffaloBonehead, the picture from Heritage does not show the coin at it's best.
The seller's pictures were better. Sadly I did not save them.
No matter what system for grading is devised, it is the taste and preference of a buyer which dictates behavior. And may it always be so.