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Does a 1981-S SBA have much of a chance of upgrade?

I've got one, that I purchased at a show in a PCGS MS-64, for like $5 I think. I thought it was a great deal, considering MS-65 is like $50. The coin looks way better than MS-64, atleast MS-65. Are these coins worth trying to upgrade, or just a waste of money?
Scott Hopkins
-YN Currently Collecting & Researching Colonial World Coins, Especially Spanish Coins, With a Great Interest in WWII Militaria.

My Ebay!

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