Hi hertsmatt
I am not an expert in grading coin... but I did some research for you for 1831Capped Bust Quarter .
I took picture of your coin ( on a left side) and another coin which was graded XF40. As you can see your coin looks a little bit better.
I also used Photograde official photographic grading guide for United States coins,which says:
(F-12)
"Obverse: "LIBERTY" will be strong. All the major hair detail will show but the curls will be worn flat.
Reverse: About three-quarters of the feathers will show but the wear will be visible around the edges of the wings and on the neck"
(VF-20)
"The hair curls will show less wear and appear more rounded.
Reverse: All the major details of the feathers will show. The leg, neck and wings will show more detail."
(EF-40)
"Obverse: Wear will appear on the highest hair curls an the top of Liberty's cap.
Reverse: Wear will be visible on the high points of the feathers and claws."
I would grade this coin at EF-40. I understand you wanted to get an answer from someone who knows something about grading, but I tried my best for the first time.
If you decide to send it to PCGS of NGC let us know how they graded it.
Best Regards
Silvercoinsshow