Thanks. I think I fecked something up. NXManaager just didn't find anything on any part of the SD for me so went with EmuTool. However it boots into Atmosphere, emu firmware updated to 13.1 with daybreak ok, and the two games I tested run ok. Now just installing a few others over wifi with the loader so will see how that goes.
No sign of SXOS in the boot menu though, just shows Atmos and StockFW options, no idea what i did wrong. Can live with it if everything works.
One concern is where the xci's are being installed to, hopefully not the emunand partition at the end of the SD card as that's only 29GB..... need them to go in the 450gb or so of the main fat32 sd.... Will check after the next few games copy over (slowly on wifi!) Thanks.