Just looking to get some opinions. I will go ahead and say up front that I do not have pictures of the coins in question. Which coin would you purchase... 1904 S $20 Liberty in high XF - low AU, or a 1924 PCGS MS62 St. Gauden? Both coins are the same price, $50 over spot gold price. I honestly like the Liberty much more from a design standpoint, but I want to make a smart purchase numismatically.
Buy the one you like. My crystal ball is fuzzy today. The Saint is widely regarded as one of the most beautiful U.S. coins. I like the design much better than the Liberty Head. FWIW. Lance.
The Saint will be easier to sell over spot if you need to down the road. But I'd say spend a little more and buy a MS64 CAC example.
So, one is certified and the other is not, right? Since both are pretty common, buy the certified coin if they're the same price. It seems like certification for higher value coins is becoming the way it's done.
I would go for the St. Gaudens. 1) It's arguably the most beautiful coin ever minted. 2) It has a higher grade. and 3) It's graded by PCGS. But both are beautiful coins! Choose whichever you prefer more
Unc. is always better than circulated unless you are dealing with an ultra rare where the highest known grade is an XF. PCGS means you can sell it anywhere even sight unseen; raw most in the know will want pics and even examine the coin in hand first. Plus lower grades won't sell for high premiums if gold ever returns to any kind of reasonable price unc's will have premium above gold value.