Help me decide which coin to get

Assuming both are genuine, I'd go for the CB quarter, because I don't have one and I think they are more interesting from a historical standpoint. I don't have a Franklin graded MS66, either, but I do have a few Franklins. But that's me. None of us can judge which you would be happier with. If you are thinking of investment, either is a gamble, because, as noted above, even rare coins can go up or down depending on collector/investor whim, and certainly that can happen with not-so-rare coins.

 

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I am ever so slightly leaning towards the quarter, since finding another affordable specimen will likely be much harder than finding another nicely toned Franklin. But, I don't know, the toning on that half-dollar is pretty sweet!

 

Good points. I shouldn't say the CB quarter is problem free since what do I know. But it does look nice and doesn't seem to have any glaring problems.

Coming into modern coins from ancients, I guess I don't have quite the ingrown revulsion to things like cleaning, holes, dings, etc. that many modern collectors do. That can cut two ways: I'm more likely to be able to afford and enjoy coins that others wouldn't, but I also won't be able to easily recoup costs if I ever decide to sell.