This is the muddy water of grading Morgans... or, taking a whiff, maybe it's a sewer. The OP's coin appears to be a very attractive 63-64 with a star granted for exceptional obverse toning. For me the toning (or PL for that matter) shouldn't affect the numerical grade, this having a closer relationship to strike, luster and surfaces. The numerical 65 looks more appropriate for ddddd's coin, based on these criteria. The problem with the NGC star is that it needs a qualifier after it (is it for PL, DPL or toning?), not to mention it resembles the simple +. In my opinion, this coin has received 2 bumps for its color; one lifting its MS score at least 1 point beyond its appearance, the star added for exceptional eye appeal or something. The problem with PCGS is that they have NO star and incorporate toning into a jump in numerical grade, despite other characteristics the coin may exhibit. I have some ICG slabs from before I knew any better, and it appears they graded ONLY the toning, which is very questionable in my examples. All this can only give a hazy, unstable idea of "desirability", something that is hugely subjective. All this means I have come not to trust the slabs, and have to exercise my eyes and tiny little brain. Sigh.
Some people haven't taken the Ed Wood grading courses...or didn't pay attention during those classes.