I know diddly about gold coins but I keep buying them. Now, how does it make sense that I could land this coin for about $430? Before buying it I looked it up and the (PCGS) retail is $700. NGC shows $555. Have I made some stupid mistake? Please try and be gentle. (Wow if I only had a dollar for every time I've heard that phrase...) It's an 1893 2-1/2 Dollar. The only denomination I've yet to score is the $3. Presuming this one is legit. Please message me for the auction link. I feel weird posting it publicly, so please don't. Though this photo is most of the way there... TIA for useful advice.