I am in complete agreement with Niall's suggestion that if Lord Northwood had focused on a sincere congratulation to Travis, none of the rest would have matter. I believe that it is fair to say that Travis was rightly offended by Northwood, and found it hard to put aside.
Jim Kennedy's question about the Schenectady is a very interesting one. In his 1910 American Golfer article, How I won the British Amateur", Travis's comment about Mr. Phillip's loan a Schenectady did not suggest that he owned one, or had used one previously. It was just that it "suited" him. It's obvious he had another putter in the bag for the few rounds he played before the Brit Am, and was putting badly with it. Why didn't he bring his own Schenectady? As a guy who did a lot of experimentation with golf equipment, etc., it wouldn't surprise me if, after a bad putting round, or two, with the Schenectady, prior to sailing for England, he decided to stick a different putter in the bag, leaving the Schenectady home.