I replaced the clutch plates, at 100k the bike needed it, so like for like. I opened it up yesterday and reinstalled the clutch, it didn't look right. I suspect that the gear generator hadn't matched up with the other gears or that a washer was in wrong (as you suggest), causing the pushrod to travel too far. After work, am gonna put some oil in, bleed the clutch system (again) and see what happens. Will be very happy if my stuffing up the clutch first time was the problem.
Thanks.