Bug Instanced prefab from resources missing child gameobject

I have a prefab in resources, it started out with just a camera and capsule

This instances fine from Resources

However I added a particle system to the prefab, this is there and working fine if I drag the prefab into a scene from the resources folder, but not if Instanced by

var prefab = Resources.Load<GameObject>("playerPrefab");
var inScene = Instantiate<GameObject>(prefab);

its simply missing the child GameObject with the particle emitter

This looks like a bug to me OTOH I could be holding it wrong...

 

forgot to mention running 2020.2.3f1 on Linux

 

tried a copy of the project in the beta with the same behaviour 2021.1.0b6

 

seems dontDestroyOnLoad isn't protecting it....