First coin: reeded edge impression, silver - yes, polished - don't think so. Second coin: silver - yes, polished - don't think so. Welcome aboard the CT Train and hope you enjoy the ride.
Well, your coin is 90% silver if that answers your second question, and as of today, the silver content of your coin is worth $8.70. Whatever you mean by "zig-zag over eye," I believe that you are referring to what appears to be a contact mark caused by another coin's reeding.
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Is the first one a proof? It looks like it has a matte finish but it might just be the lighting/photo angling.
I'm leaning back in my office chair. How would the OP know this and take a photo to compensate for it?