Now it seems to me that such Local clock time, measured on a standard universal clock that, obeying the same physical Laws in each and any Inertial Frame, ought to keep the same time - or what else is the first postulate for?
... "same time" as what? Not each other - since they may have different relative velocities with respect to each other.
However - observers who are stationary wrt a clock will observe the clock tick off one second per second (i.e. the reference clock for that frame keeps the same time as all the other stationary clocks in that frame. Some care is needed to make sure of this due to the finite speed of light.
Generally it is not useful to make a local/distant distinction like this (local and non-local are technical terms that you need later anyway.)
All Inertial frames are the same, they all appear to be at rest in spacetime from their own perspective.
Everything is at rest in it's own frame. It does not "appear" to be at rest: it
is at rest. "Appear" implies there is some true or absolute state motion - there is no such thing. Frames do not have their own perspective: that requires an observer. Frames are what observers use to make observations (of time and distance) in.
This is a kind-of mental discipline.
So how can the speed of their clock be affected by their speed? It will be affected by the relative speed of an observer, measuring from another frame. One frame will be moving at different speeds relative to different observers and each will measure the observed clock slow - but by different amounts depending on their relative speeds. That one clock that is observed cannot physically run at different rates - as measured by the local observer holding that clock it can only be ticking at one rate, surely?
That is correct - ones own reference frame is stationary but other's may be moving.
You will observe a moving clock to run slow,
without any (lorentz) calculation involved ... you just use your clock to time events on the other clock just like you use it to time anything.
The clocks are not physically affected by relative speed: it is the observation of the clocks that are affected.
The observations are affected by relative speed in much the same way as lengths are affected by relative distance away ... "farther objects are smaller" would be the rule for perspective. The "proper length" of an object being what you measure when you are right next it. SR extends the rules of perspective to include relative velocity as well as relative distance... so now the proper length is measure right next to the object,
while it is stationary.
[We generally think of distant objects as "appearing" smaller though... this is because we are used to thinking of the ground or something as providing an absolute reference frame.]
Can you explain to me where reciprocity fits in - it seems such a very basic property that is at the very heart of how relativity works...
It means that if someone is moving past you at speed v, then you are moving past them at speed -v. It's not just relativity.
[On the chessboard analogy, black see white move one square to the right, so white sees black move one square to the left... not happy with that analogy since one of them sees their own square change colour.]
In SR it means that if you see a passing clock tick slowly, then it's observer sees your clock tick just as slowly.
Since the twins can spend an arbitrarily long time when neither is accelerating, and they both notice the other's clock is slow, then how come the accelerated twin always ends up younger?
It's pretty easy to see how in space-time diagrams.
The toughest part is getting rid of ideas that rely on absolute motion.
I usually find that the following primer is accessible at HS level:
http://www.physicsguy.com/ftl/html/FTL_intro.html
... you want the bits about space time diagrams but it is probably worth plowing through the rest too.
There is a specific treatment of several solvable paradoxes in there ... tldr: different observers agree about the overall effect (like which twin ends up younger) but disagree about how it came about.