TST: implement deserialization tests for older schema versions
- [X] closes #44995
- [x] tests added / passed (see #45047)
- [X] Ensure all linting tests pass, see [here](https://pandas.pydata.org/pandas-docs/dev/development/contributing_codebase.html#pre-commit) for how to run them
- [ ] whatsnew entry

thanks @jmg-duarte 