Yup - Made it to upstate NY from Taos, and lo and behold, you have to rather forcefully step on the shifter to get down into fourth gear. The clutch cable is properly adjusted, though it IS at the limit, gonna order
A new one as soon as I can. But - I am not 100% certain that the old, stretched out cable is the issue here, as the clutch lever moves when you pull the handle with only a couple mm of play.
Hoping I am not looking at anything difficult or expen$ive here...