hehehe... with a fresh perspective and the help of some core examples, I was able to determine (and make work) the following...
where one would normally do this in mysql:
$row = mysql_fetch_array($sql_result);
$option1 = $row["option1"];
$option2 = $row["option2"];
$option3 = $row["option3"];
$option4 = $row["option4"];
I now do this with Oracle:
OCIFetchInto($sql_statement, $row, OCI_ASSOC + OCI_RETURN_NULLS);
$option1 = $row["OPTION1"];
$option2 = $row["OPTION2"];
$option3 = $row["OPTION3"];
$option4 = $row["OPTION4"];
$option5 = $row["OPTION5"];
Hopefully this will help some poor soul looking for the same answers I was...
Key points here... you MUST use capital letters to define your column. (Hence OPTION1... etc)