I would've said 4.5, but you'll need to tell us if there are any creases/surface wrinkles. These often don't show up in scans like that, and definitely factor into the grade.
Definitely for the better, that PSA won't grade it... The card won't be absent from your collection for 10+ months, you won't risk damage or loss in shipping, you'll save yourself lots of money, and you won't have to see their negative assessment on the flip every time you look at it.
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