I would say about a 63 or a 64. It has got subtle yet beautiful toning around the edges. However, those fingerprints are definitely going to bring it down.
Hold a coin by the edges if it is in MS+ like this one. If you want, you could get rid of the fingerprints with MS 70 and a q-tip. But if you clean it that way, you'll need to be very gentle as to not hurt the coin.
Midway between "who cares" and "so what" It's a bullion coin... PCGS has graded around 14,000 of which 70 are MS-70, 11,352 are MS-69 and 2,696 are MS-68. It's only 69 or 70 that has any premium
Do you really think so? Given the size of the spots around the specks on the reverse, I'm thinking this coin has been in that holder for quite a while, and whatever marks are on its surface aren't coming off unless you use dip. I don't see this coin making even 68, but I'm not much of a grader.
I have cleaned fingerprints from proof coins and silver uncirculated coins, but it usually takes a while. I used a Q-tip and MS 70 three times consecutively and finally, it was spotless. I'm not sure how long the fingerprints were on the coin though.
My guess is your probably right. From a guy who has foolishishly bought every American eagle ( never cracked any open) some cameoish from 1984 to 2020 many below purchase price? but I like them. Still a $30 coin
Given the numbers quoted by @Burton Strauss III, I would be willing to experiment on this coin to see if I could improve its appearance. The black spots, milk spots, and fingerprints would bother me. Since it is doubtful it will grade high, therefore it will not get a premium, therefore it's a bullion coin. I would try acetone first. If it needed more, MS70. If it needed more, a quick dip. But that's just me, I am too inquisitive to leave well enough alone.
Your right had to look 1986-2020 and mint sets 1974-2007 gave it up till 2019 sucked me in to each of the three "w" lincs. LOL
I have all of them from 86 to 2018. they're nice to stare at. i sold most of the "stockpile" when silver was high last year.