Hello Wendy - more ladies always welcome! As Peck has already said I collect love tokens and engraved coins, so I don't get too bogged down with grading, varieties and slabs I do however collect the odd shilling now and then! You will get lots of helpful and expert advise on here.
Without pictures to determine grade you have no chance of really knowing as grade is important to collectors. The coins that are difficult to see as you say will be no more than bullion value if silver
You just don't do irony, do you Rob Just to clarify : CCGB has this coin at £150 in UNC which seems about right. Spink, as so often, are ridiculously overstating the value.