I would not suggest flying a custom min. dia. rocket for your certification flight if that is what you have in mind, as it is more likely to break or get lost at high altitude. Also, the I49 requires electronic recovery. Are you set-up for that? Make sure you have the system down before attempting to certify.
No need to fiberglass... but surface mounting of fins does require some amount of reinforcement.
Make sure they are very straight, consider using an alignment tool or jig, and tack them on with crazy glue (CA is the official name.) This is not structural, but it will hold them in place. Then reinforce the fins at the attachment point with a layer of epoxy, called a fillet. This alone, as long as you sand the airframe and fin base, and use good strong epoxy, should cover slow motors like the I49.
Fast motors, supersonic flights, etc, will call for fin to fin fiberglass if you want to be safe. And I generally do prefer to be safe. If you want to push a 38mm minimum diameter rocket to it's limits, but dont want to spend the money on fiberglass or carbon, consider this one:
https://www.redarrowhobbies.com/kits/Public_Missiles_model_rockets/cirrus.htm
This classic little rocket comes with fiberglass reinforcement for the fins, but still uses phenolic for the airframe. It is a jem.
Phenolic is PLENTY strong for most level 1 motors. The fin attachment is more of an issue here.
I personally only build fiberglass for level 1 and above, these days. Not because I have to, but because I like the confidence it gives you. One of my fiberglass rockets survived a really bad landing... with no damage, I get a 2nd chance whereas a paper rocket would have been destroyed. Also, the fiberglass allows future flights on very powerful motors. For example my 38mm fiberglass rocket is good for an I800 or any J motor. I would question (but not discount totally) the ability of a 38mm phenolic rocket, that is 6 feet long, to survive those flights.
Finally, and then Im done with the rant, if you are building a 38mm min dia rocket and are not worried about getting the max. altitude possible, consider this:
https://giantleaprocketry.com/pdf/acmefincans.pdf
These fin canisters are very easy to install on a rocket, and are ultra-strong. But they come at a cost, about $27, and also are not as aerodynamic as surface-mount fins.