If there is a die break below star 1, From near rim to near bust, it is N22, no die break N13. Check out your coin, let us know!
You have to decide for yourself, you already know our opionions. For comparision: Here is an N13, note the date position relative to the bust and the lowest curl over the 4, the 1 and the 4 do not touch either. On the reverse note the heavy crack over MER, this is a latter die state coin than yours so your coin will not be as bold, but the location of the crack should be the same: http://images.goldbergauctions.com/php/lot_auc.php?site=1&sale=62&lot=201 Here is an N22, again note the date position relative to the bust and lowest curl over the 4, on an N22 they are inbedded in the bust and the curl unlike on the N13. Note also the faint cracks under star one going up into the field. On the reverse note the faint crack through MER, most visible on the top of the I in America. On an N22 all these cracks remain very faint and it's entirely possible they would not be visible on a coin in your grade. http://images.goldbergauctions.com/php/lot_auc.php?site=1&sale=62&lot=214 The difficulty with attributing worn late date large cents is that the attribution points often get worn off. However, the date position relative to the bust, hair, and dentils remains stable during the entire marriage of dies and is not affect by wear so it is a good place to start (this is not absolutely the case, a handful of varieties like the 47 N34 have heavy polishing done between die states which affects the date position, but it's very rare). I personally would not make a positive attribution of your coin based soley on what you might see as a die crack under *1, especially when the date position and reverse cracking do not match with the variety.