Wow. That really surprises me. I can only judge by the pictures provided and you have the advantage of having it in hand, but that coin is overgraded based on what I see. It has great eye appeal, but not the kind that would bump it that much!
Nothing to be embarrassed about- that’s what I would have voted myself, had this been someone else’s poll and coin.
I guessed xf40. My 1875 came from someone (memory fails me at the moment) who bought it from Mark Feld when he was a private dealer. It has really nice color when tilted at the right angle. It's NGC AU53 CAC in an old fatty holder.