Actually when it comes to the best repop non-black phantom you can't do better than the 96/97 Cruiser Deluxe. I'm not sure which exact date you've got but, I've never seen that type with fender light and steel stem, nor that color scheme for 1995 too. It might be a dealer up-grade though, And i'm pretty sure that Schwinn, just to add to the confusion, used their 95 'anniversary' stickers for a few years after the 95's.
Like the Deluxe models (below) I expect that springer fork is of the leftovers from the phantoms as, the 95 'Anniversary' deluxe cruisers were made with the 'new style' repop Post 1954-55 type. But, made from the 'Centennial' black phantom frames with actual black phantom paint scheme that are also embossed 'Centennial 1895-1995' under the bottom bracket with the repop pre 1955 springer like yours. And the repop 52 tooth Sprocket, is the 96/97 'Schwinn Cruiser Deluxe' yet upgraded into the future with a Nexus 7 rear hub.
You've got it all in these bikes with bonus points as originally issued 96/7 the leftover 1995 'Centennial' Black Phantom frames, and a kick butt Nexus 7. Disclaimer, some peps think these are 95's but, not, they're 96/7's.
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