Lol the Ragley doesn't have enough travel for the gravel ways?
You may be right about the Schwinn being made in America. I've read that the factory was in Alabama. Check the dropouts and bottom bracket shell for a serial number (which will date the frame), and the headbadge for a 4-digit number (which will indicate the date of assembly. It's probably 90-92 ish.
Hand brazed, with drizzled silver paint, guaranteed to be unique!
http://bikecatalogs.org/SCHWINN/1990/MTB_And_Road/High_Plains_Woodlands.html