it aint that complicated

T1 with PCON.7 = 0 x= Baud*384
T1 with PCON.7 = 1 x= Baud*192
T2                 x= baud*32

xtal freq = x*(65536-timer reload value)

I calculate x and guess what reload will take me to just under my processor desired frequency.

example:
T1 with PCON.7 = 0 x       = Baud*384
T1 with PCON.7 = 0 3686400 = 9600*384

a good goess is that 3* will be just under 12

3686400*3 - 11.0592M

Erik