I think it is graded accurately at 62. The hit on the face is pretty severe and should keep it from grading any higher. It's a nice coin though.
I think that the coin is fine as-is. Who cares what NGC graded the coin. The most important question is -- do YOU like the coin?
It could be a MS-63. But then again, it might not. If you resubmit it you might still be stuck with a MS-62 and then have to pay a resubmission fee. What grade were you expecting?