Last one! 39a "Charming" 5 letters.
Possible pattern is S_O_T but we think we may have well made a mistake.
The corresponding cryptic clue is "Prepared, when we go in, to be charming".
Thank you so much everyone! Couldn't see that for the life of me. And I can see how what we'd done wrong with the 'O' so crossword all finished and we can go back and enjoy the sunshine - thanks again!