Works

I ended up hiding the toolbar from non-contributors thus:-

			/* hide toolbar from subscribers */
	add_action('after_setup_theme', 'remove_admin_bar');
	function remove_admin_bar() {
		if ( ! current_user_can( 'edit_posts' ) ) {
			show_admin_bar( false );
		}
	}

but I still need Kim’s plugin to ensure that subscribers looking for my admin area can only see a minimal profile page. Good stuff ??