Hello, Elle!
You are not being too fussy at all.
it is not unusual on here to quibble at a clue or a setters interpretation of it.
That's part of the fun, and I doubt that the setters would mind.
You have had opinions from several folk on the forum and that is what the forum is for, surely?
i have had a look at Times online at the puzzle and it is (7,1,4),
which gives "catches a cold".
Clue is "Contracts minor illness and has financial difficulties".
Given that, "catches a cold" seems fine to me.
I do not understand Chambers "catches cold (at)".
Anyways, I discovered that the original meaning of the word "chauffeur" is "stoker".
And that a man with the amazing name of Roosevelt Zanders was the best known chauffeur around.
He was based in Harlem, NY, and drove JFK, Churchill, John Wayne, Fidel Castro, Ethel Merman, etc etc.
Another piece of useless info is that his Rolls Royce was used in the pop video "Uptown Girl".
Now for a coffee and Madeira cake!