Agreed; 100%. I thought I remembered reading that the buttons on their chests should be crystal clear for MS66. Likely the photo is making this more difficult to see and in-hand looks bit different. I certainly don't think it's over-graded; more so that my grading skills are under-tuned
Honestly, I interpreted the first pics as the coin being dipped, a bit heavily. I like the second pics better, to me the luster looks better.
I went to the auction to look at the PCGS example and I agree that the NGC is nicer overall. The PCGS might have slightly better luster (at least that's what the photo suggests to me) but the spots are distracting. And previous guesses do influence others. That is why I try to look at the first post, make my guess, and then go back to read what others have said. Another factor that influences guess the grade results is prior threads. Some of us will adjust our guesses depending if we were too far off on the last thread.
I guessed MS65 It looks very lustrous but not struck very well. I think that in hand that might change my mind though.