I like your Kleinow David-and it's got a Tolstoi back to boot!! I am not a fan of creases,even if they are light.I don't mind them as much if it's on a corner,but when it's across half of the card,I'm not a fan.
When I bought the Kleinow,maybe because the crease was across the body,I didn't notice it.And was used to SGC grading-and yes,I relied too much on the grade.I have bought SGC cards with no scan of the card,just sort of relying on the grade,and wanting the card,and was usually not suprised at what I got.I feel with PSA,you have to totally inspect the card-because a V/G 3 can have decent sized creases and fairly heavy staining.
Lesson learned to buy the card,and not the holder
Clayton