OK everyone, here's the denouement to this.... I had a long chat with the seller yesterday after sending them an email with pics etc. In brief:
1. They acknowledge the set screws were not correctly positioned when the bike left them.
2. They're confident the chainstay damage is nothing to worry about, and in any case, any further deterioration in time will be dealt with under their warranty.
3. They know the gearing set up is out of spec, but it's a configuration they have fitted many many times, and works reasonably well, given the wider range of gearing often necessary on a tandem.
4. Barrelling downhill is not an option as my Stoker gets white knuckles and wet pants at anything more than jogging pace..... which is why her solo average speed is around 10mph..... her Strava PR's are being smashed on the tandem, even on flat sections !
5. I've adjusted the screws etc so I am happy with them, but I am expecting further cable stretch, and so will monitor the way they go and adjust as necessary.
6. I'll also persevere with the 52T for now as we're still getting used to riding the thing, but I am holding an option on changing the chainring for a 48T or 44T as you've suggested.
7. I'm going to fit a chain catcher on the seat tube, and possibly put a large cable tie on the chainstay to guide the chain away from the metalwork if it should ever come adrift again.
Thanks for all the help... I knew I'd come to the right place :-)
P