The other thing to consider is that the areas that appear to me to have some rub might be due to the holder. Very often, the plastic reflects or deflects light oddly that makes an area on a coin seem flat. Since I only have the pic to go by, I called it as if those areas showed wear rather than due to the holder. I did notice that those areas are not darker than the rest of the coin, which in retrospect, makes me believe that there is no wear.
If there is no wear, I see it as an MS64. The hit on the cheek and light scratch in the hairlines would prevent it from an MS65 in my opinion.