Looking very sharp there Ralph. In my opinion, the extend of stenciling is a bit of a crapshoot but to answer your question generally, just because the model doesn't show a "feature" doesn't mean that the stencil is invalid. As Terry says, the stencil may advise of something internal. That said, the model kit manufacturer may have chosen not to go to the expense of moulding whatever feature applies to a given stencil if indeed it is something on the outside of the aircraft, like an inspection hatch.
The other thing is that if an aircraft was repainted at a maintenance depot, or repaired on squadron, any obliterated factory-applied stencil may not have been replaced.
Many stencil decals are quite legible with a magnifying glass. It might help to know what #3 says so we can answer the question with a bit more detail.