Thanks very much to everyone who has posted, and apologies for my tardy response, due in almost equal measure to pressure of work & personal health.
I appreciate all the advice, although clearlythe advice from https://www.pomsinoz.com/profile/215485-andrew-from-vista-financial/ wasn't what I hoped to hear, as he says himself.
I think the advise I was given previously came from this or something similar https://www.superguide.com.au/how-super-works/access-super-cease-employment-60#Other_conditions_of_release
I've been here long enough to know that, although I pay the same tax as an Aussie citizen or PR holder (without many of the benefits) the governement will look to slaughter the money saved in my super because... well just because. No one said life was fair.
Given my visa is based on working, I guess I can't retire from my employer and ask for my Super in a lump sum before I'm forced to leave?
If anyone has further views I'd love to hear them. Thanks again to those who have posted already, it's genuinely appreciated