Holy crap, bought DLC, loaded up old save which was right near the end, completed the game, it said congrats yada yada now you can carry on in the wasteland. Went to Coffer to sell some shit ..... available to purchase was the Large Mutant playing card i completely missed and though id never be able to get again. It cost $1000 but i now have the 100% achievement and all cards in 1 playthrough.
Now to actually play the DLC
(PC btw, no problems loading up my saves on this. I thought this did do cloud saves too ? It always syncs when i quit the game.)