I'll take a shot at this subject to correction by the experts ...
The high points of the design show no signs of wear .... this would be Jefferson jaw, the ball of hair leading to the ponytail and the triangle above the dome of Monticello.
Sooo .... this is a MS coin ..... now ... the big debate ..... MS what?

I grade MS coins by the 'deduction' method ... taking points away for flaws .... adding point for visual appeal ....
There is a significant bag hit on Jefferson cheek ..... deduct points
Great luster and clean visual appeal .... add points
Multiple bag hits and scratches on the reverse .... deduct points
Weak strike (see the mushy steps and detail inside the memorial) ..... deduct points
Overall .... if I were the
TPG with this lovely coin in hand and 8 seconds to render an opinion ...
MS65
David