I'll say AU 55 also. The toning is natural. There are a few dings but not terrible. Could almost grade MS 60 if the high points didn't have minor rubbing.
As it relates to unexpected things we encounter in coin collecting, this coin I purchased recently came with its own trading card. If you look at the side with the obverse, it has a TPG label with the same serial number as this coin. The joys of coin collecting...
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