ok ...... so I went from:
to:
so I think the reason why I couldn't get this far was 100% a floppy drive/disk image issue......
However, the reason why I was having so much trouble is I do seem to have a floppy write issue, but not a read issue.
What I've done (other than going back over everything I had already gone over looking for issues I couldn't find)
Was I got an 80 track BBC micro drive back up and working. I then loaded the Recovery Utils 80SSSD disk image from the PC util into HxCFloppyEmulator and made a raw image template (with just basic FM settings) to then convert the image to a hfe raw image that I then wrote to a floppy using the greaseweazle on my laptop.... and much to my surprise I have a booting CDOS. Also because I now have a working hfe image, I poppet it on the gotek and that boots fine too! But I still cannot format with saformat or write a disk using the cortex and diskimg. But I'm quite excited to actually boot from a real floppy

If I had the knew how to make (or had) the gotek disk image from the start I could have saved a lot of poking about

... so here it is.
I'll have a go at making some others when I get a chance.