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Beginner Grading/Value question

So, I've determined that 95% of the "collection" I inherited is just worth it's value in silver. You guys have all been patient and kind in answering my beginner's questions - Thanks.
I have a couple more regarding the few coins I have that might have "some" numismatic value. I'm curious about these two coins (pictured together, just to save space). Input from a couple of you leads me to believe that they are "average." In each case, G-VG and maybe worth $80 - $200. I'm also lead to believe that they are not worth having professionally graded.
I can accept that (and I'm nopt trying to "argue" with anyone. I'm just trying to understand how those determinations are arrived at with just a few photos? When I compare them to (for example) the Isabella at this link: https://www.greysheet.com/marketplace/viewitem/1893-isabella-25c-pcgs-ms65-PCGS-65/APR4975254
it seems to me mine could be as good or better - how do we "know?"
Thanks in advance for any insights and shoot me an offer if you're interested in either.
Chuck

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