I am sorry, but I can't help. As I am not an expert and the Morgan photo is not the photo of the coin, I would only buy a slabbed (PCGS or NGC) coin.
That would give me the assurance that I am expending a value that is about the real value of the coin today.
!BEER
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Oh, okay. Understandable! Yeah, I get raw coins from reputable dealers too... and when a raw coin is pricey (to me over 30 an ounce if silver is too expensive, no matter what) I have to ask. nd I know what you mean about slabbed coins. My collection fo Peace dollars are graded coins precisely because I wanted to be sure that they are genuine US coins. There was a time the secondary market was proliferated by fakes from China!