I've that before or one very simular. As for me I would send it to ANASC and see what they say. I think it's worth a try .
So are there other/additional key players/go-to guys/actually graders/dealers here we could tag to look at this coin?
The odds are already 57.8-1 against being an S. If you use the layover, only 1 of the 4 S locations fit in the hole, that makes the odds, 231.4-1 against. Sending to a grading company seems like a waste of time, it's going to come back, holed, genuine, details, 1909 VDB. If you know what part of the country the coin came from 100 years ago (East coast) further evidence it's not going to be an S. The S didn't circulate much. People went to the bank when they first appeared and snapped them up. Unless this coin came from California it's highly unlikely.
Yes, your point is well taken. I'm thinking, forget the hold and the S overlay. That part is toast! Like I said in my first post: Is there a conclusive/definitive why for you (anyone) or a TPG to tell if in fact this coin is an S by specific die markers or indicators?
Without a fragment of an S, I don't know if there are other markers. Known die cracks? I don't even know if people were able to get them from the banks. Dealers were aware of the low mintage and 1st issue status, and bought rolls of these coins from the mint and were selling them for $1 and $1.50 apiece. They were saved and not many were heavily circulated. Could you imagine having 2 uncirc rolls of these and being happy with a $100 profit, when today those 2 rolls are probably $200,000.
There were reports of lines around the block at the mint and at banks in San Francisco when it was released. A lot if folks got them.