Thanks, that's makes things a lot clearer.
The reasons I don't want to change are - Money. Unlocked. Loads of batteries and chargers etc. Oh, and its a very, very clear phone.
There is 'Firmware Version 1.5' listed but after an hour with MR, they tell me it would cost. $109 plus tax and shipping to put the OS right.
The last guy, a level 2 man (swoon) went to get an XT because he couldn't believe the phone was so erm, disadvantaged. He then said it was an 'on the bench' fix.
A non-starter.
KBP I'm bewildered. I looked at CyanogenMod. The file manager downloaded like a dream and I can see into the SD card for the first time!
Thanks for that - I'll look at it in more detail when I catch up with my day.