Buyers of MS-65's should be very picky. There should be no carbon spots large enough to see without the aid of a magnifier. The strike should be very close to full. The eye appeal should be exceptional. In the images above, the MS-64 actually looks nicer due to differing luster of the chosen examples.
Experience is a great teacher for grading.
I would suggest using the images of the individual coins in Eagle Eye's inventory as a grading set to gauge future purchases by. After awhile I'm sure you'll get a good feel for what is and what is not expected for the grade. A percentage of RED may accompany the designation.