Thanks again to everyone for their comments.
Done some further research/calling around - Quotes to recondition the g'box ranged between "probably not much change from £3k" to "£3-3.5k".
Opinions differed on the replacement of ATF & filter to improve the symptoms. Whilst it can't do any harm (other than the cost), the concensus seemed to be that there is likely to be an underlying issue that will only be masked with fluid change and that a full strip down is probable in the near-medium term.
So, a £3k bill for a £3k car or borrow more and start again with another vehicle..
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