I finally got round to fixing this. First, I replaced the RTC with what I presume is a reman unit from ebay (has electrical tape sticking out). I also realized the jumper for CMOS clear was set, so things weren't sticking at all.
With the RTC replaced I was able to program the settings for the hard drive successfully. The BIOS does not allow a cylinder count higher than 1099. But that's enough to set up a 200mb drive from the bunch I had kicking around. I had to use a debug procedure to force it to 'clean' the drive first, then I was able to fdisk and format.
Interestingly the floppy drive worked.. but only after I made a 720k tandy msdos 3.3 boot disk. I guess when the BIOS is cleared it can't read 1.44mb disks??
One issue that kept me tied up was the RAM.. I had 1mb but it would not accept a setting of 640k base and 384k extended without turning shadow ram on. Also, apparently if you have the 'mouse device installed' option set in BIOS it will freak every boot if it doesn't find a mouse there.
That's it anyway.. many thanks for the earlier help.