Buffalo Nickel Grading Challenge. 1920D, Is It F-15 OR VF-20? (or what?)

Here's an all too common dilemma when grading these circulated Buff's... One that stumps me everytime, is it an F-15 or a VF-20? I was just getting ready to put it in a 2x2 album and couldn't decide after I noticed 75-80% horn & full separation of LIBERTY from rim. Nice Obverse die crack at one o'clock. Thanks in advance. (F-12 would fall into the "or what" category...)



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Comments
-Paul
The next dilemma then is, what is it worth? I see NGC coins graded VF20 or higher with less horn detail than this, but they don't seem to bring VF money in the market place.
Greg
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jim