Sorry for the boring post, but, headset was feeling very grinchy so pulled it all apart tonight. Knocked out the bottom bearing with a driver and had the usual ball bearings everywhere nightmare (never learn).
Found them all, removed the top part of the bearing cage, which was left behind in the steerer tube, and washed the whole lot.
When it came to putting it all back together, I couldn't for the life of me get the bearing back into the steerer tube – painstakingly pushed the ball bearings into the holder, pushed the whole thing together and found the damnable thing just wouldn't go in as a whole.
It would go in in seperate parts, but there was always one bit which wouldn't go. So I gently tapped it together with a hammer and a bit of wood. This must have squashed a bearing or two as the thing only now works with the weight of the fork on it, and feels grinchier than ever.
SO. Is / was it a sealed unit which shouldn't have been taken apart?
Phew.