That is a really nice coin! Usually family heirlooms are beat up and sometimes cleaned. I would say the coin has a decent shot at MS-65, but the services can be very conservative with the Liberty $2.50 coins. I see some tiny marks that might pull it down to MS-64. As for the grading service, I tend to prefer the looks of the PCGS holder. Having said that, my current highest grade type coin is in an NGC MS-67 holder. This one is PCGS graded MS-63. Compared with some other TPG pieces I have seen, it looks like an MS-64. Rounding out the grades I have, this is an MS-62. The was the piece I had in my type set when I was high school. It was graded over 20 years ago, and I think, a bit conservative now. As for the piece of grading, I have not had a coin graded in years. I wish I could help you. I had a few Confederate notes graded. It was expensive and time consuming.
Putting aside the uncertainties of trying to grade MS gold from photos, I think that's a fine looking coin. Assuming that the luster is all there, I wouldn't be surprised to see it grade MS-66 or 66+. It has a couple of issues that keep it from 67, IMHO: A ding in the denomination D and some little rim hits. Yes, if it were mine, I would have PCGS or maybe CACG grade it. And if a personalized lapel is important to you, then pick the TPG that will do that for you.
Don't forget that Photos have always led to the best of skepticism. I would pass that one on for a few more generations.
Looking close I think 64 I see a few little marks. It's tough to tell from pics how good the luster is too. That could be the difference. Or it could have an ancient cleaning. I think without a cleaning high end 64 low end 65