Well,thanks to the generosity of two forum members,my original question has been conclusively answered.
Mastering may indeed be subtle and a final polish,but for anyone who loves music the difference that final polish makes is well worthwhile. The track sparkles,has more punch and clarity and makes the whole listening experience much more pleasant. The 'before' recording seems almost flat and uninteresting by comparison.
Many thanks to Boydie and Alan Starkie for spending time and effort proving a point. Neither of you needed to do that,but I'm very glad you did.
We have an embarrassment of riches here and for me,every day is a school day.