Finally got a response from Check Point TAC. It is below:
The T43_962 HF includes two fixes numbers PRHF-31146 and PRHF-29514, to be added to the R81.20 jumbo HF SK. In theory, every fix will sooner or later get integrated into JHF.
Currently, PRHF-31146 is on the list to be added to R81.20 JHF but as of now, a JHF take number has not been assigned yet. PRHF-29514 has been added to the next R81.20 JHF, which has not been released yet.
I think I will hold on JHF 41 and future JHF's on the Gateways until these fixes are incorporated. My Mgt server has been on JHF 43 and been solid.
Perry