Not So Simple
If only 97% meant that only 3% of the total surface area had lost its finish. However, if you carefully read the first section of the Blue Book of Gun Values, you will find that a gun with only slight wear on a few sharp edges (which may comprise only 0.5% of the total surface area) rapidly drops to the 95% classification. A few more tiny freckles and you may drop to as low as 75%. I am not happy with the present system, as it leaves too much to the imagination and to the discretion of the grader. That is why it is so difficult to buy a gun sight unseen.
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