Ok, so i have worked it out... Mixture of user error and poor OS layout imo! The HDD load option is only available in the play menu, not a menu i have ever used to load anything ever. But save is still only in HDD operator menu. But whatever, it works and i'm happy!
Yes i can upload the FL-D1 disk here.
It has
HDD Operator Wave Synth (The 10m and 20m will load internally created patches without this, nice!) Loopoptimize Fadeoptimize Copy Disk
Do i need any specific software to get it off the card? As you can tell i'm a real expert at this stuf....