If you trim that top border just a bit, you can ensure getting a PSA 4.
Seriously, that is a fine example, and I have seen many "4s" that are not nearly as nice. If you submit, it will probably come back a 3, as others have surmised, but I would much rather own your card than a 4 with a wrinkle or crease.
Unless you are re-selling, I would most definitely leave it raw.
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