FCK editor toolbar has few options, plz help?!

I have successfully installed and configured the FCK WYSIWYG editor to work with my Drupal 6 site.

However, no matter what toolbar set I choose, I still only get the same few options in the toolbar, italic, indent, lists etc, it won't change for me??!!
I need to have tables in there, and I'm also trying to set up file and image uploads to no avail..

Could anyone suggest what I may be missing?

Or any links to articles would be helpful please?

I get the feeling this is something realllly simple that I just can't see! The only information I can find re-enforces what I have already done in the drupal filtered html section and fck editor config! any help most appreciated!!!