That's all great info guys, thanks.
Yes, the brake lever is sitting a hit high. There is a 'groove' worn into the swing arm pivot where the lever has been hitting back onto it. Since that pic, I have sleeved a bit of rubber over the stop, which has forced the lever down a bit.
I'll take some of your (collective) advice and bend/straighten the brake lever and make sure it's sitting a bit lower and under the side cover, as well as bring it 'back' a spline or 2 to make kicking a bit easier for my short legs!
Thanks again.