Well, now that I read Doug's response, I would like to say I would pick up the bet, but I don't like VF either. XF seems most likely to me. I do hope you go ahead and submit it as now I'm curious.
You can send it to me, and I'll take care of it for you (along with taking a nice photo of the coin). Just PM me, and I'll send you my mailing address. Alternatively, you can send it to PCGS, but you'll have to work through a dealer or join (i.e. pay) the collector's club.
I'm looking forward to some good pics. Let's have a new guess the grade once you have some pics Leadfoot. :smile