Thanks one and all for all your helpful comments. Rodeo_joe, here's a scan of the IT8 calibration slide
http://www.jera.com.au/IT8005.jpg - 'basically, everything off', done on the Nikonsoftware
and one done at 16x http://www.jera.com.au/IT8006.jpg
Basically the difference I see here is that there is less grain, but also it doesn't vary much with the oversampling. Of course, negatives are inherently darker than positives, due to the orange colour cast. I guess I'm wondering if there could be an effect from just simply being a crappy amateur photographer, and for darker, compensated photos it's going to bring the grain out, of whether there's something inherently wrong with the scanner, e.g. it's not getting enough light to the neg for darker photos, so the noise becomes more prevalent, and I guess what most here seem to be saying is, not, this is about what you can expect from the scanner, if you can't take a better shot.
Certainly, some shots seem to come out better, e.g. http://www.jera.com.au/Europe213.jpg
Cheers ChrisH