It's a secondary set for me so I wasn't originally after high grade coins. I just looked at my inventory and saw that 9 of the 24 coins are graded below MS-63. (Not surprisingly most of the 9 are are the keys/semi-keys.) I am considering upgrading those 9 to MS-63 or -64. But when I looked at NGC/PCGS coins in those grades on eBay they were baggy. Is that to be expected?