All of the letters in LIBERTY are visible and clearly readable but the bottom 25% of the E and R are worn. Also, I just noticed that the picture barely shows a scratch that extends from her chin "southwest" (at about 45°) into her neck. You can see it faintly as a dark blurry line if you look at the image full size but it is more prominent in person than it is in the picture.
I am in the midst of investing in and setting up a new camera and a whole new lighting system. Hopefully, in the near future you will be seeing better pics from me.
As for cleaning? I know it hasn't been cleaned in the last 40 years since my mother had it? For her... "don't clean coins" was right up there with "don't go swimming right after you eat"....but possibly before that.
Thank you everyone, I appreciate your opinions.