Okay, so the Navy does not award a Silver Star with Combat V. Have to take your word for it. I'm not sure where to check for Navy Regulations WRT medals.
Anyway... I've looked at the
DD214, and I guess it's not beyond the realm of reason to think that Kerry could doctor it, but I wonder why bother? It's common knowledge that he did receive a Silver Star. Could he be stupid enough to change it and if so, what difference would it make? I can see it now, all the fence-sitters unimpressed with a measely Silver Star instantly swayed by the sight of a Combat V!
You know what makes more sense to me? Some tired, disinterested Navy PN3 typed this form up in a cramped, cluttered, and poorly ventilated office and then a a tired and disinterested Supply Officer simply signed it.