I am covered in chagrin!!
Schoolboy error!! Ho the shame !!
The USB thumb drive I used for the job (the one with the backups on it) !...... well of cause it was formatted "exFAT" wasn't it!
Changed to using a FAT32 formatted USB stick and I am pleased to say I have managed to load the 25th Feb 2021 B2B test software just fine using the Maintenance > SW Upgrade method.
Sorry for all the kerfuffle.
Fred.