Just a quick update to this, I have kind of achieved something similar to what I wanted; F14 to F19 shows palettes via a macro outside of the group its showing then keypad 1-9 gives access to the macros (this could be extended to numpad characters if more are required), with 0 being hide palette.
Seems to work okay but there are some tweaks I need to make; I don't like the 0 to close and I don't like it only closes 1 palette, so need to figure something out here. I tried to use F13 as a palette of palettes but the palettes states got a bit confused, seemed to work okay sometimes but failed to show anything other times, so I need to work out what's going on there or have a reminder popup (I am a jack of all trades dev working between many apps and OS's with many hot keys so I forget, a lot). Lastly I am doing a mouse move to center the palette, I need to make this work on a multi-monitor setup and return the pointer to original position.