at first I thought I missed a breakin process on the die.
full story is I must have dropped a case and got sand or something on it.
produced 2 cases with deep gouges, removed die to inspect and it was scarred internally.
Ran out andd bought a new die. New die crushed the first neck. cleaned and lubed die and brass, crushed neck. took old "known good" stem and still crushed neck. If I extend the stem excessively it does insert into the neck correctly.
That leads me to believe the die is out of alignment internally.
haven't had a chance to research further yet.