Many here like you, Mike. Just buy what you LIKE....try and confirm it with the grade.....maybe CAC is another check...but in the end, just buy something you like and don't worry about it being over or undergraded. And don't worry about the crack-out game.
If one can get a PCGS 67/67+ into an NGC 68 for a generic Morgan, that increases the cost from $450-$550 (generic 67 range)/$600-$800 (generic 67+ range) to $2k-$3k (generic 68 range). If it's a toned PCGS 67/67+ going to an NGC 68, that is harder to say but it would likely help increase the price with most (might not with some high end toners where the PCGS fans would pay more for the PCGS holder even in a lower grade).