Follow up -
If you have an '02 check your bearing - mine was definitely unwell at less than 10k miles. The clutch rattle it's had since I bought it has now gone (or at least become a lot quieter)
Total cost £43. Doesn't take much time, once you have a puller.
The advrider link is very good, but to add to it...
Lie the bike (almost) on its side - then you dont spill any/much oil.
Use plenty of protection to minimise the metal filings getting in the engine. Rags with grease on are good - the stuff sticks to the grease.
I left a magnet just beneath where I was working to try and catch some more..
Best tool I found to use in a Dremel is a small ball nosed burr.
I will change the oil & filters very soon - wish I'd done the fix BEFORE my recent oilchange.
Doesn't take long, doesn't cost much - you know it makes sense.
Thanks to all for your help
If anybody needs a pulletr, let me know, I hope I'll never need it again!