To me the question is which image, the LCD or the download, is closer to the truth. Which one more accurately reflects the histogram?
If you decide that the download is correct, just lower the LCD brightness a notch or two. Remember, there iss of yet no camera LCD that is accurately calibrated. Nikon does a reasonable job of getting LCDs more or less the same from camera to camera, but by no means do that imply that they are accurate.
Jon Kandel A New York City Nikonian and Team Member Please visit my website and critique the images!