1881-S Morgan Silver Dollar: You Vs. PCGS

I think they got it pretty much correct.
In reality a 63 but netted a 64.
In regards to proof like surfaces below is a guide
that I have used for years. It is tough to measure PL
coins by a pic. Just print it out and try it. It works
very well. Here's more fun for you. All of the terms used
for these surfaces. SL, SPL, PL, DPL, DM, DMPL
Having fun yet ? satin like, semi proof like, proof like,
deep proof like, deep mirror, deep mirror proof like.

http://coingrading.com/plcoins1.html

MS 64 was a fair grade for that coin, the hits on the cheek and nose would easily hold it back from an MS65 grade, 1881-S was well known for magnificent strikes, and "ONE MUST CONSIDER" the year and mint
mark before applying the usual generic grading standards, the TPG's do....