Cash your MS65 tickets everyone. Stars aligned for me to own this one. Cost me $199 and would have paid triple after having it in hand. Nicest reverse I've ever seen and the obverse is borderline PL.
Well, I'm a little bit late to this party, but I would have guessed 65. Strike: 66. I agree that this is a nice strike. Luster: 65. Even in these glamour shots, the luster does not appear strong. It appears a bit flashy on the obverse, but the reverse looks to have a creamier type of luster, which does not get high grades. Eye Appeal: 66. The toning is attractive, but the splotchy nature of the obverse toning brings it down some (the look is actually kinda weird, the more I look at it.... the top of the reverse appears original, but the bottom of the reverse and top of the obverse look like secondary toning after a dip.....) The second photos, just posted, also make it look hazy and spotty - flaws hidden in the usually-deceptive so-called "tru"-views. Contact Marks: 65/67. The reverse is flawless. If the obverse matched, this would be an easy 66+ as you mention. However, the disturbances in the field in front of her face limit the grade, and that gash behind her head immediately disqualify this from 66. So, I agree with the 65 grade.
Yeah I kinda blew this one. I still don't agree with the 65 grade it's been given, but that's my opinion, I'm guessing there is more going on with the surfaces than I can read from the images. The toning that you are referring to @physics-fan3.14 looks like the type of toning found on a lot of Morgan's that were previously in the old style no line fatty NGC holders. I'm guessing it was a former NGC coin as opposed to a small ANACS which seems to cause that type of toning even more than the NGC labels did.
The obverse definitely has a strange look but only because of the reverse its paired with in a vacuum its an attractive obverse. Heres what i mean by that. The obverse is close to PL. If the reverse was your standard 65PL reverse this would be a perfectly nice MS65PL coin. Instead its paired with this beautiful lustrous (the luster is nice btw) 67+ reverse and it makes the PL/semi PL obverse act as a negative. Almost like two completely different coins. The coin is still amazing tho. I think it would slide right into an NGC 66* holder and probably a 66+ if not an 81s. The nice thing is like I said I would have paid 3x as much as I did so the number on the slab is meaningless to me anyways because theres no chance anyone is prying her away from me.
Hopefully this shows a bit better just how nice the reverse shines but I'm clearly not an expert at showing the cartwheels. They're definitely nice though!
Well I was off as well. It certainly looks nicer than many of the MS 65s that I have seen. I agree that it has at least MS 66 potential. Nice coin!