Lack of skirt lines does affect the grade. I collect the Liberty Walkers. If you can get one in Ex. Fine, AU or uncirculated why even bother with lessor grades unless we are talking the rare and expensive coins? I collect them for their beauty. If Ms. Liberty's cups are not distinct it is thumbs down for me since I have been told by dealers this is one of the lines between very fine and extra fine. I have been burned on
ebay on this issue. I don't like to buy coins based on a picture. I just don't think you can see all the little items to make distinctions.