While I respect PCGS I think they make some off calls when it comes to .98, I still fuming over the .98 Tooling on my 3 cent silver. I took my coin to 3 dealers I trust and no one could find the damage that would rate .98. I am glad someone purchased it that coin - hopefully they will bust it out of that holder.
But, on the plus side for PCGS, they do honor their guarantee. I purchased a MS64
Buffalo nickel and it wound up with Verdigris - it is there being conserved and if I lose the grade on it, they will refund the fair market value difference. My buff is such a nice coin, it will not bother me if the grade changes - I am just glad I have pros removing the little spots so the damage does not get worse.