So, after all the fuss trying to get the right brake shoes turns out the brake plate was from a 550 (so the shoes I got were correct for that) but the wheels seem to be for a 650 and the two don’t appear to be compatible.
When everything was properly tightened up, the plate was rubbing on the hub rim, which explains why there was a washer inside pushing the plate away from the wheel hub, but that left a small gap which would have let moisture and dirt in I would think.
So ended up buying a 650 plate (with shoes) from eBay, which arrived today, and everything now fits properly!
Another learning experience!
Fun but could do without buying things that I don’t use. Hoping eventually to get some spoked wheels so will keep the 550 plate and new shoes I have in the hope I can use them on there.