I agree with @Evan Saltis. An MS-61 grade seems rather appropriate for this coin due to the dull luster of the obverse combined with the contact marks on Mrs. Liberty's cheek.
Before I saw the obverse I didn't understand how it was MS-61 but the contact marks certainly are concentrated on one side.
And a fair amount of time in circulation. In fact I would say the marks on the neck are from a light cleaning.
Reverse looks great - MS63ish in my opinion. However, the obverse seems a bit more on the AU58+ side. Having said that, I've seen coins graded by TPGs which come in at MS but look "worse" due to having weaker strikes, known die issues on a specific year/MM, and so on. I had some folks explain this to me when I showed a ratty looking seated liberty dime.