WLH22, Congratulations, you guessed the grade! I'm sure anyone who looked at this coin & low-balled it will shriek "market grading". Too many collectors are still living in the 20th century when coin grading in the 1980s was much stricter. 21st century collectors realized that many of these early TPG coins were under-graded, cracked the slabbs & resubmitted them for higher grades. The fact of the matter is we are living in a market driven economy & coin grading is market driven too. Accept this trophy on my behalf.
Pop of 16 in MS65 and none higher @ >50K so yes. Don't think the OP wants that. I'd go with a 1913-D over a 1913 because you can get one grade better for the same $$$ The only people who need the 1913 are basic set collectors. Date set people buy the 13-D & basic set people have a bigger budget so they won't go low-ball anyway. That leaves you with a coin that is in no-man's-land. In order I'd go with...(hardest to easiest) 1920 1912 (higher point value & cost but easier to find nice than the 1920) 1913-D 1909-S There is a nice 1911-D/D on Apmex now for a low-medium difficulty coin. It's a RPM CAC and appears to be a 64+ to me. https://www.apmex.com/product/175224/1911-d-d-20-saint-gaudens-gold-ms-63-pcgs-cac-fs-501 I like Mint State Gold for lowball cherries. The owner must get a kick out of picking them for his store.