I think I need a drink. I will lean towards NT but would need to see the coin in hand to make a better determination. The colors look a little off. Army green and orange are not typically found on Morgans. The pattern of the toning is very much that of an NT coin. The toning does not rise up over the devices and the coloring in the letters of LIBERTY are a different color than the surrounding areas which is a strong indicator air transfer toning. If this coin was uncirculated, I would be more inclined to say NT. Anytime I see an XF/AU common date coins worth a few dollars over melt with this kind of toning, I automatically become suspicious. These are the types of coins that coin doctors routinely attempt to artificially tone because there is no financial downside in doing so. Having said that, there is no financial downside for the buyer as long as no premium is paid for the coin. Therefore, if you own it and like it, enjoy it and don't worry about the originality of the toning. If you are considering buying it, decide based on whether or not you like the overall appearance of the coin. The originality of the toning will not have a detrimental impact on the price and therefore is not really a relevant issue.
Atypical NT is my first guess. Certainly not an album or envelope or bag toned coin. I'd guess a cigar box or a drawer or something and stored face-up.
I've never seen toning like that before. Looks really nice, and I would say it is definitely NT; look at the star closest to the E in the 'e pluribus unum.' It has the typical shadow effect that natural toning produces.
You'd be surprised what a little bleach can do. If there isn't luster on that, it is AT. Otherwise I say NT. Looks pretty nice from here. I assume there is luster present.
