what is your definition of significantly worn. Have you seen many 21 Peace dollars in hand or seen photo-grade on this issue. They are not like 22-35. Below is a clip that shows PG examples.
The old switcheroo, before in raw state and post slabbed. I still think it has a lot of wear, no luster and, personally, consider the coin over-graded by two to three grades. Everyone has an opinion and I suspect the lack of comps was considered when this coin was graded. You may disagree with my assessment, but I'm not the one trying to set a trap.
While it isn't my absolute favorite 1921 Peace dollar I've seen, I like it. For some reason, the '21 coins are often found with this sort of toning. Here's the last one I had- also a "crusty one". (As you can tell from the little tickmark on the point of the bust, it's the same coin in both sets of pix.)
