I have one of these and really like it. You do not need a microscope unless you are doing counterfeit detection. Unless your doing a lot of gold or key date it isn't incredibly part of one's numismatic tools. I bought one after taking the ANA Summer Seminar, because nothing will make you as paranoid about fakes as that class. Anyway this has always worked, though if you are doing counterfeit detection it is proper have a light source coming from the side (ie a grading lamp) do the raised surfaces cast shadows and such.
https://www.amazon.com/dp/B004SQQCHC/ref=cm_sw_r_awd_X6buvb1HYQBX1 https://www.amazon.com/dp/B004SQQCHC/ref=cm_sw_r_awd_X6buvb1HYQBX1