As a h 10 collector to be honest I wouldn't pay Au. Money for this specimen. To my eyes it is xf 45 at best. I do agree with Mike strike is weak,thus making the coin less eye apealing. As to its skin and color again that is subjective to the buyers taste.some may like others may not....and again these are small coins sometimes hard to see details in both the plus and minus colum. This is a Valentine #1 small heavy ,compact ,high date,curved top to 5 ,6 course.185 especially compact tip of shield points to 1 .A peculiarity of the coins of this date is that the denticulations of the milling are not well struck up. Rev. Medium lettering. One other reason I wouldn't be paying Au. Money is most dealers here that I buy from sell to me at grey sheet plus 10% some even less. The only time I pay more is to dealers here or on line on had to have specimens,varieties that I know are very rare.
I think there's a lot more wear on that coin than you apparently think there is. I see wear on virtually the entire coin, including the fields. Given that, there's simply no way it could, or should, grade any higher than it did. IMO, this is one they got right.
Looks XF to me as well. Interesting, as I rarely agree with the TPGs. I find they grade too generously.
I believe the XF-40 is correct. Besides the hit on the A that was mentioned there is a little chunk under the H on the reverse and several minor scratches. The reverse shows less wear. The obverse is clearly circulated and worn. I think the grade is fair.
I am in the XF 45 range due to the rubs on the upper robe area and the hit on the reverse does not help distract some eye appeal. Overall, very nice coin.
Pretty coin - I agree it's an XF. Could have been a 45 though. Not AU. Too many soft edges that look like wear to me - I am constantly amazed at the level of original detail that good photography can show on these tiny coins.
XF and not even close to AU. I'm surprised they did not give it a 45 but I wouldn't. Forgot to write IMO.