mostly all unc morgans are 64

nice toning for that liberty seated half!

For this one, zoom in and look at the fields. You will see some marks but there's even more to it than that.
We all are luster handicapped in this game. It's ok because we all have the issue but that makes it that much more important to get actual coins in your hand to learn how to grade.
Coins are graded based on a few factors but one of them is luster. In high MS and AU grades, it's especially important. Another is eye appeal. Wear, strike, even luster can be somewhat objectively graded but eye appeal makes it tough. I've had coins downgraded because of eye appeal. Others upgraded because of it.
If you spend some time grading coins, it will actually make this game a little easier.
Hope this helps!

I also see a lot of Roosevelt dimes that have that proof toning and I just can’t do them.

Or something like this.