I would like a second opinion on the grade of this coin. I think it is VF, but there is a significant difference in catalog value between VF and XF and I don't want to badly undervalue the coin. Thanks!
One related question: Does anyone know if the design of the reverse changed during the mintage of this coin? I have a 1911 that has horizontal lines on the "5", but this one is plain. It could be worn smooth, but I can't see any evidence that any such lines ever existed, and the rest of the coin doesn't seem that worn. Although I have a 1906 that is more worn than this one but *does* show partial lines on the "5", so unless the design changed for 1907 and then changed back, maybe it is just unusual wear. I guess that would definitely rule out XF.
Thanks, all, for confirming my original thoughts. I've been looking at US coins recently and it seems that the Red Book grading criteria allow a lot more wear in XF than I would have thought, so I was second guessing myself on this one.