The quick answer is no, it's not ok to clean a potentially valuable coin.
A coin that has been in the dirt will pick up some number of scratches, including microscopic ones. Even just rinsing those and not touching with anything else may be considered 'cleaned' (the grading services examine coins under strong magnifaction, and are really picky). Very hard to get past those guys!
Cleaning coins has been a subject of debate for decades, even among coin collectors (back in the 1920's-1960's, it was somewhat more accepted). But since the 1970's, within numismatics, coin cleaning is frowned upon. But in some cases is unavoidable, and so moves into an area of 'conservation'.
The basic issue is with any sort of rubbing, or certain chemicals, is that it leaves scratches, unnatural toning, etching, or all. So just that quick brief swipe folks like to make when extracting a coin from the ground is a no-no. Hard habit to break though.
Having said that, for silver that comes out of nice black or sandy soil, just rinsing it in running water does most of the work. 'Tapping' or dabbing with a toothbrush can help loosen the dirt in the crevices to get it rinsed out. Some folks stop right there. Soap helps serve as a wetting agent, but if you rub with the toothbrush, it helps to check and make sure no dirt is lodged in the bristles, even the tiniest will leaves scratches. Blot dry with cotton cloth, again no rubbing.
For grey or blackened coins, some folks just leave them alone. Electrolysis may help, and at least doesn't involve rubbing. The baking soda paste technique mentioned above works great, but will make the coins shiny too. This tends to run counter to the circulation grade of the coin, so they end up looking 'cleaned' that way. I've found that melamine foam (aka Magic Eraser) will take the black off, but not create the unnatural shine, so I use that sparingly on coins that only have spot metal value (fortunately though, I tend to get coins in rich black dirt, so that's the exception). It works great on Wheats and IHs though!
There are chemicals one can dip silver coins into and it will also remove the black and make them shiny. Black, beach found silver for example. 'Dip It' I think is one, but I don't have first hand knowledge of results.
Good luck!
DirtFlipper