Not that it means much, but it appears in the catalog that the 39 very well could have and for sure the 40 lady's DX had the spears, but the 41 definitely doesn't and has the frame detailing as Zacks, although the wings on the tank are down. If you use the John Polizzi SN list that nobody believes in................
E53500 - H99999 ---- 1941. Fender chevrons on the 41 model only. By no means am I fully tuned in on the pre-war Schwinns, but something doesn't add up.