Don't you all find it hard to tell grades when images are SCANNED? This looks like a scanned image to me. Images from a scanner sometimes make coins looks worse than their actual eye-appeal, especially non-copper based coins. Conversely, I find copper coins often look better in the scanned image than in real life. I would say AU, conservatively.
It's the only way I can post, I agree with some of what you said, my scanner makes any coin look worse, takes any luster right out. Folk have seen this one up close gave it MS60?