OPs observations regarding what both companies focus on is accurate. There is always some variance from one grader to the next, but as general rules of thumb, each point listed is the OP is spot on.
The one that cracks me up most is PSA's completely arbitrary usage of the half grades. Despite what their website says, it is rarely applied for centering and eye appeal. The number of OC cards in PSA slabs with half grades far outnumbers those which are well centered. A true head-scratcher.
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If it's not perfectly centered, I probably don't want it.
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