In one of the posts I remember seeing the Saddle Bolts/Studs were different for the early BSAs to accommodate the Horn.
Please validate my understanding
No not all M20's had the horn located there. According to the historic facts, the horn was relocated sometime in 1942. I don't know the reason, but I have heard, that the horn couldn't be heard when the rider was wearing the long mac, whether that's true or not.