My periscope is aimed at you-know-what exclusively. Little by little, the long arc of all things numismatic, is embracing encapsulation for their coins. I regret to say that to me, personally, choice- or gem- B.U. is -- as VKurtB has made clear -- not very helpful to anyone seeking upper-tier coins. To quote that old musical, "If I were a rich man..." I would probably take a chance -- and have -- but am reluctant to do so after a gorgeous specimen with absolutely no fault to my eyes, described as FDC, a range of MS-65 to MS-70, came back MS-64+ by PCGS. (As a favor to you, I will check the tony shops with top shelf merchandise in Europe and have a definitive answer for you tonite.)