SCM EHP3, 7.31->7.4 MOPZ_MSG_QUEUE_CHECK002 on OS/DB files (kernel)

Hi  - I am trying to upgrade a 7.31 system to 7.4 via SCM EHP3 which includes the 7.4 upgrade.

I am stuck in MOPZ with the message:
 
Attention: OS/DB files for these software components are not selected
Message no.MOPZ_MSG_QUEUE_CHECK002

Maintenance Optimizer finds the OS/DB dependent files for these software components are not selected. It is recommended to select the appropriate and compatible files for each system, otherwise they will be deleted from the stack xml. It is critical to update the kernel to specifici release. For example if you had kernel 700, but when you updated SAP_BASIS to 731, it is required to update kernel to 720,You can navigate back to OS/DB dependent step to select.

yet, the MOPZ did put in the 7.41 kernel with the upgrade stack - it suggested it, it selected it, it downloaded it and put the file definitions in the XML stack.  From what I can see though, it looks like a small patch to the kernel, instead of a full upgrade version.

What is the issue, and better yet - any ideas how to get around this?

Thanks,
Margaret