Thank-you for the Mod/Twk tip Drekkie...
I came across that thread before but forgot to add it to the OP.

Adding it to the Mods & Tweaks section now as:
How to customise your lock-screen
http://talk.maemo.org/showthread.php?t=79210

As for the advice about whether to flash or not etc.
I think that's beyond the scope of this thread.
As it's already been very well doco'd in other threads.
If others disagree lemme know & I may add a flash/update-centric section.