Me again. Just picked this up - what do you think? I'm 99.99% sure it's the overdate. Thought I'd share it with everyone, maybe pick up a few opinions on grade/value/rarity while I'm here. (FWIW, I can see 6 clearly separated pearls in George V's crown. The other two are visible, but merged together.) Thanks!
Grading is tricky... NGC or PCGS you are looking at around XF-45. Aussie grading standards more like VF-30. Prices on these seem to fluctuate wildly. I've seen anywhere from under $20 to over $50 for comparable examples. And this is still a far cry from their inflated catalog value.
I think I read an eBay grading guide that said VF there is the same as XF here. Perfect coin was "Fleur de Coin" http://www.ebay.com.au/gds/Coin-Grading-Guide-/10000000001207557/g.html
Just throwing it out there (not familiar with their grading standards.) In any case, I'm happy with it for $4.