I'll first say "no", I don't believe it needs to be any more complicated. But, I will say that the .5 bump PSA added is WAY too darn subjective. Even more so than the whole grades. I have 2's that present as 4s or 5s with outstanding centering and eye appeal, no half grade. Then other, off-center worn examples get the bump. Whole grades do have some specific standards, albeit very subject (e.g. is the crease sort of a corner or major enough to be a 2 instead of a 3). But, .5 can't really be attributed to anything other than the grader feels a little extra happiness when grading the card.
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