Would the Navy be likely to issue replacement medals to someone who threw theirs away? Somebody slip a replacement request through without knowing the particulars? Strange business no matter how you cut it.
If there were replacement medals, the paperwork leading up to that would be of interest how it was spun.
Re your point about replacing medals for those who threw them away, I doubt if Kerry would have given that as an explanation. Also, if he was a Senator or Lt. Governor at the time, I think the Navy would accommodate him just for PR and Congressional support.