That works, doesn't require any fanwanking. Good explanation!
Same thing can explain why some of the crew wore the standard uniform in Generations and others wore the new black with coloured collars version. After a certain date, whenever they replicated a new uniform, it would be the Voyager style one, but until then they wore whatever they had, which was the one we saw throughout the series. It would also explain why Voyager never used them. They got lost before the update was sent out to put the patterns for the FC style uniform into the replicator's database, so they had to keep using the old style.