Thank you all for the responses! You've restored my confidence a bit, I had graded this AU53.
(sorry about to less than ideal picture, not skilled at taking those yet)
AU50 or AU55 wouldn't have shocked me, but was pretty surprised to get it back XF45 given the minimal wear. Maybe it has something to do with the two "burn" marks on the obverse?
In any case, given everyone's responses and my own opinion, I'll think of it as better than an XF45. Maybe I'll send it to reconsideration someday.
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