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1807 DBH: Opinions?

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Here is another to play with. Feel free to guess the Overton, and let me know what you think the grade should be/is.

 

100_2004.jpg

100_2006.jpg

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This one is a O-103 R 3 (although the holder says 103A, but the coin is missing the proper die cracks). NGC graded it VF 25. I snagged after doing a little research and noticing equivalent or even exact coins in the past having been graded 35 or even 40 (both PCGS and NGC). There is a fair amount of luster present, like that of what you would find on a coin graded XF 40, so who knows. The obverse detail is rather weak, and the reverse is struck off-center. No marks of significance. Plus the price was right...

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