Well updated phone, and I obviously wanted to spend a few hours finding out all my settings, passwords, and remembering pictures that fortunately were backed up onto a PC somewhere.
The update when it wanted to restore the phone back to previous settings was after a password, and none of my usual ones, and even old unused ones worked. Seems I am not alone, possibly the ios5 update when backing up the phone before uses some password that no-one can figure out. I had never set a password for backups before, as backups were on a machine that did not travel anywhere, and thus was happy enough with.
Well done Apple for one of the worst upgrades I've done in some years