Right finally got this working :)
To confirm, 3rd party images at the moe dont seem to be supported, but just wanted to highlight the official ''image'' download of 4.6 (found under pi4, https://retropie.org.uk/download/) also does not work and you will get a boot error occur
You can however get RP 4.6 to work! From official Raspberry Pi page, download the imager app: https://www.raspberrypi.org/downloads/
Using the app, there is an option to choose the op system you want to install, so retropie for us and then let it do its thing. It will format disk/write image in one go. Once you put the SDcard in Pi, it will boot, no errors whatsover straight into Retropie!
Note: If you use windows 10, there is chance the imager will fail to write, its a windows setting thats the issue and this is the fix: https://www.raspberrypi.org/forums/viewtopic.php?f=28&t=267364&sid=f6d32a82c84ebcfacdc2b3f1536cc4c1&start=25#p1664662
With Pi up and running! just needed to load roms which are on my external ssd. (indeed, the following is correct proc: https://retropie.org.uk/docs/Running-ROMs-from-a-USB-drive/). The SSD was again working painfully slow and needed the fix mentioned (https://www.raspberrypi.org/forums/viewtopic.php?f=28&t=245931) to sort that out.
Finally got RP working! in for a long scrape now for artwork before i can get onto some tweaking :)