Possible solution (worked for me)
Inventory - check to see if you have anything in the OUTFIT section. If you have any that are Special Outfits, Unequip it then see if you can access other items without being Blocked
Aha... this just gave me a thought... I went over all my mods from one modder (Spawn0 on Nexus) and his mod '
https://www.nexusmods.com/cyberpunk2077/mods/3491?tab=description' Spawn0 -Lingerie (which I had installed pre-patch) and this now has changed to use the Special Outfit slot for all its stockings and leg wear items. But nothing shows in that slot in my last save... so got me thinking... and I loaded an older save from August 2022 (pre-1.6 patch) and there in the outfit slot was the legging item I previously had equipped but this time it was visible.
Taking this item out of the Outfits slot immediately removed the padlocks!! I made a new save and quit and reloaded and all was still fine, with all the other clothing slots now unlocked and no padlock. Clearly whatever corrupted the game save at the point of the new patch in September was due to my character having this slot occupied at the time of the patch, and somehow it glitched and didn't show the outfit slot item as being present yet it locked the other slots. It was there in the system but didn't show in the inventory, hence why I couldn't see why the non-outfit slots were all locked. Finding the item visible in the older save enabled me to remove it!
I've now re-installed all my mods both archive and CET/mods and relogged in and pleased to say that everything works properly. Out of interest (after solving this) I tried again to load my September save and despite this fix it was still borked so clearly that save is corrupted and will be ignored.
Thanks for all suggestions, problem fixed and if anyone else is using this mod or similar please make sure you remove any Special OUTFIT slot garment before you save the game and log off,
do not save with this slot equipped in case they patch again while you still have something worn from this inventory area. I note that the modder's images for the mod clearly show that while the outfit slot is used the rest are locked with the padlock symbol.. but it took an old save to make the item visible in order to remove it.
Fixed !