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Buffalo nickel grading assistance needed

Hi folks

Below is my new acquisition : a semi-key date (1914 D) buffalo nickel I have trouble grading.

My red book says :
F12 : horn and tail smooth but partially visible. Obverse rim intact
VF 20 : Much of horn visible. Indian's cheekbone worn

I can see the whole horn and almost all the tail.
The obverse rim is everywhere visible even though it's somewhat flat.
Indian's cheekbone is obviously a bit worn

Technically that would mean it grades VF 20.

I'm very pleased with the coin as I got it as part of a lot in a swap with a fellow collector. That said, the overal aspect of the coin isn't pleasant to the point I would call it a VF.
What would you guys say ?

Thanks for your input

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