OK, so after a week of mucking around trying to fix things and multiple attempts I finally got a telnet connection into my Xperia 10 III and was able to reset the phone back to factory settings. I then re-flashed the latest 4.4 release from the Jolla website, logged into my Jolla account and did the official OTA update to 4.5 using the GUI.
So, a good clean 4.4 installation from fresh based on the recommended Android 11.4.19.v9a lena binaries with no apps other than the stock Jolla apps, no patches, no openrepos or chum, etc, and then upgraded to 4.5 via the official Jolla OTA update.
Compared to my XA2 update (above) its a bit of a disaster …
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Android apps almost always have no connectivity on mobile data - so little change from 4.4
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Office 365 email accounts, whilst not reporting the old ‘Account Signed Out’ error, consistently fail after a reboot or just a period of time, reporting ‘Connection Error’ - the only way to recover the situation being to delete the accounts and set them up again from scratch. So again no real improvement from 4.4. This has happened three times in the last week as the phone has switched from mobile data to wireless or vice-versa.
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Bluetooth to car or speaker or … anything no longer works. Although bluetooth seems to be active no pairing or connection seems possible, whereas it was in 4.4
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Videos no longer play in the web browser most of the time (e.g. BBC News), or if they do there is no sound
 
The XA2 has the Office365 issue, the android connectivity issue and the video playback issue, but not the bluetooth issue
So, bearing in mind that 4.5, for me, seems to introduce more problems than it fixes, maybe I should go back to 4.4 …?