Well it is the 4th of July and people are with their families so maybe this is why no replies.

But I'll take this one on to an extent. I know that in the 1970s it was common with Schwinns built in the USA and elsewhere for frames to be built then not used for a year or even longer. This is why build dates imbedded in serial number code often do not correspond with the actual model year configuration of some Schwinns when compared to catalog images. It does seem that in this time period of your bike they were all completely painted so not sure why your is chrome underneath unless it is an older frame built at a time when they left the fork ends and rear dropouts chrome. I do know that the Panasonic built Voyageur was commonly all chrome under the paint and many owners stripped the paint to reveal the chrome finish with good results. I have also heard stories of the chrome being not polished in the center areas of the main frame tubes as this was obviously going to be painted-over.

I think the best way to get the absolute answer would be to address the people at the "Schwinn Collectors Forum" as there are several lightweight experts there.

Image of my 1973 (Summer 1972 frame build date) Panasonic Schwinn Voyageur with chrome lugs, fork ends and chain stays.