Obs,
Appologies, you are not being think it is my lousy text. The obstacle is at 1300 so the MSA is 2300.
I don't wish to get hung up about this as there are not specific rules on the subject so the term "the MSA" is a little misleading. I just wanted to point out that flying VFR below 'the MSA' is pretty common practice and so is VFR flying below a cloudbase which is below the MSA. Obviously, should you inadvertantly fly into cloud you need to climb to the MSA and then can't descend until visual with the ground again.
BTW, I'm enjoying your thread very much and am glad I'm not the only one to find the ADF less than easy!
Cheers,
CK.