Welcome to CoinTalk! on your first post @cc fanetic. I have attached a grading guide that might help in grading. https://www.ngccoin.com/coin-grading/details-grading/ https://www.pcgs.com/photograde/#/Lincoln/Grades
Not surprised. And the obverse is F-12. It was stated earlier in the thread that key dates get a little rhythm and flexibility on grading. Nice coin. I've never had a 14-D.