I have a ladies Sterling build in Chicago which should put it prior to 1898. It has Toc hubs and wooden rims. It also has a steel chain gaurd and a steel rear fender both of which have holes for dress gaurd lacing. I would have expected wooden fenders and wooden chain gaurd. Have others seen these metal components on early bike like this? I am also wondering about the stem clamp is this too late for a 1898 bike? Thanks in advance.