Thanks for all the input so far! This one is in a NGC F-12 holder.
It is a very original coin, but is very much on the VG-10 to F-12 border, in my opinion, and it looks like you all agree.
I am going to try to snag this one come auction time. Since it would be cracked out to go into my album and won't stay in a F-12 holder, I am not looking to pay premium F-12 money for it, so we will see what happens.