thanks. I had the drilldown picture of 92116 in my files but also a picture of 92124 with a price tag so I knew the drilldown was probably wrong. The seller has listed it as new without tags and says it never had a leather strip. She's had quite a few odd or rare fobs.I have identical pictures for both numbers, and then a later photo of 92116 with a Coach price tag and only 5 charms. Apparently they used a photo of the longer charm for 92116 originally and changed it later but never corrected the drilldown. 92116 should be the shorter one without the leather strip
The placement of the charms on the one you're asking about don't match Coach's photo, but their photos obviously aren't always right.
The chain seems a bit darker than the rest, but I'm not sure if that's important, it could be a red flag but someone who's owned one for a while and who's seen if the metal colors change over the years is probably the only one who would know for sure. Maybe it had the leather strip at one time and it got damaged or came loose and was removed by the owner.
Mine is old but the chain is the same color as the rest.