Thank you CoinFrog and T-BOP for your expert opinions! I had myself convinced this was an MS65. T-BOP, your added blurb about the contact mark was very helpful for my learning process.
I have several more of these I may post after I go through the bathing/cleaning process described by BadThad on this site. It's awesome to have so many knowledgeable folks in one place. Maybe someday I'll be able to give back.