Mister_e, Charles thanks for responding.
OK, it sounds like I’m covered on the EEprom.

So back to configs. You say configs are set with the Bloader.Hex, so how do I know what the fusses in 16F876a_20.HEX are set to?

You say I can “change some fuses BEFORE dumping the Bloader firmware (.HEX),” OK but how ?

It sounds like I have to edit the HEX file. So there must be a specific location in the HEX file to find the fusses? And I suspect I will find a number for OSC nearby. I could edit the HEX file if I knew where to look. Am I on the right track?
Thanks