I think PSA has a bias against crossing any card graded by another TPG, even your SGC 40, into the equivalent PSA grade. On the sub, you have to state a minimum grade acceptable. It may come back as, "doesn't meet minimum grade." Whereas, if you crack and sub raw, it might come back as "altered," or "EOT." If it does successfully cross, expect it to come back at least one grade lower. So, basically it's a crapshoot any way you go. The cross over gig is nothing more than a moneymaker for the company.
