I came across a very interesting post on the the Vintage Non-Sport Cards forum about the reasons for two different wrappers for the 1965 Donruss Hot Rod issue. Click on the wrappers below to go to the discussion - Highly Recommended!
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I've updated the checklist with this information. Thanks Lonnie!
And in my experience, the checkerboard wrapper seems harder to find than the yellow one.
To clarify... the yellow background wrappers/packs were issued in 1965 and the red/yellow checkerboard background wrappers/pack were reissued in 1966 or later.
I think I went from confused to maybe slightly less confused.