Picked this one up at the coin store yesterday for about $42. Full unbroken cartwheel luster on both sides, nice crescent toning on obverse, relatively clean cheek and fields.
Canadian-Banknotes, O-mint Morgans are known for sometimes-weak strikes. In this case, I feel the "wear" you see above the ear is a weak-strike artifact. It is shelf-like in appearance, something you can also see carrying downward into the ear area.
A fully-struck coin having worn into that area should show corresponding wear on the reverse, which is relatively strongly-struck for New Orleans. Note the remaining detail in the neck and talons, two places where wear should appear almost immediately.
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