I'd say this shows both are almost surely factory checkering.

So mine at serial number 429,xxx:

[Linked Image from savagefest.net]


Upgraded EG at serial number 436,xxx.

[Linked Image from images.gunsinternational.com]

“The Savage 99 Pocket Reference”.
All models and variations of 1895’s, 1899’s and 99’s covered.
Also dates, checkering, engraving.. Find at www.savagelevers.com