Hi David,
Looks like Sue has found some answers for you regarding Phoebe. You are right that there were very few women in the New England in the early days, particularly the 1840-60s. The Railway came in 1883 which opened things up more.
There are quite a few Chapmans around the area, my surname is Chapman however my husband's family were from the Hunter. I have knowledge of Chapmans in the Inverell and Moonbi areas particularly. The Moonbi school had an exhibition with photos of some and the Inverell Pioneers village also have pics of Chapmans on display. So many relatives around the New England for yourself.
Caroline
PS my index of Aboriginal identities is now up to 470 and I still have some more finds to list.
www.armidalehistory.com