The TF7 and TF9 skates don't have the insert, but the 2019 junior model skates do. The description on the Just Hockey page details the inserts:
True Jr Stock skates have arrived in a limited run, for sizing they are a split size as they have a foam insert in the toe region that can be removed. To give an example on a pair of 4/4.5 they will fit to a size 4 with the foam insert in the toes but with that insert removed they will fit to a size 4.5
https://www.justhockeytoronto.com/products/19214132?variant=31121419141223
The Hockey Supremacy specs also mention the inserts with the 2019 Junior stock skates: If you want a bit more room at the toes, you can take out the cushioning inside the toe cap. This will make the skates longer.
Just Hockey has them listed at 3.5/4, 4/4.5, 4.5/5, 5/5.5 and 5.5/6. Other sites, like Hockey Supremacy and Pro Hockey Life, have them listed from size 4 to 6, including half sizes. I think on a site like Just Hockey you'd need a 4/4.5, but on the other sites that have them listed from size 4 through 6, you may need a 4.5. Trying them on is ideal, but I do understand the 2019 junior skates can be hard to find in all areas and that may not be possible. It'd be a gamble if you bought from a place that didn't allow returns.
Other differences to note between the stock 2019 junior skates and the 2020 TF7/TF9 skates are:
The 2019 skates use a different holder and steel. The production of that holder and steel was limited, so it may be harder to find a replacement holder or steel if something happens down the line. I imagine the quality of the steel would be good though since it was made by Step.
The 2019 skates use a rivet to hold in the tendon guard instead of a nut and bolt.
For parents of youth players who are likely to outgrow the boots in a season or two tops, I think the clearance 2019 stock skates would be a great choice. For an adult player that may have the boots for several years and will eventually want to replace the steel, it may be better to grab the TF7 or TF9 on sale with the newer Shift holders and steel so that you don't have to pay to install all new holders and steel when a holder or steel breaks or when the steel wears down. That's of course a moot point if you were already planning to swap the holders for something else.
The other advantage of the TF7 or TF9 is of course the 30 day satisfaction guarantee at participating stores if you buy before the end of the month. If you buy, sharpen, bake and try the 2019 versions then you'd have to try to resell them to recoup as much money as possible if they don't work for you.