Slow start, quick finish.
I'm not sure about 3d - my answer means "cover", but I don't see the rest.
Some quibbles: 5d is unfortunate; why "half" in 20a?; "likely to be held on to" is pretty loose in 31a.
22a my favourite too.
chrise - I quite liked the misdirection in 5d, but agree with you about 20a (I’d have thought that it’s hardly ever exactly half) and the rather loose element in 31a.
Glad you liked 22a too.