SOLVED at last.
If any other encounters same issue... Use EFI folder as per
@trs96 instructions. Change BIOS as requested here:
https://www.tonymacx86.com/threads/...overview-for-the-experienced-4k-ready.279108/
Then make sure to edit your config.plist in CC as this:
View attachment 460756
In other words you need to change audio (Realtek) properties's from "had-gfx" to "No-hda-gfx", setting Value as "AAAAAAAA AA" and leaving "layout-id" at 13.
With this you lose HDMI audio, but analog audio is still working great (I do not use HDMI audio, so all fine by me).
And
no kernel panic after sleep.
Hope it helps someone else.
Thank you again for all the effort put in this forum. In the last few days I moved from complete newbie to (at least) semi-aware amateur. Lol.