well hey Bruce...
... neither does my Honda have any actual 'adjustments' for timing... you have to play with the point gap to change the timing... almost ALL moped points systems are like that.
(because they are cheap and crude)
But I have changed my timing 6 times this year so far by altering the point gap... (mostly cuz I couldn't figure why it ran funky)
Then I check it with a strobe timing light.
If you flywheel is all covered up... (and you can't run the motor with the flywheel exposed... then I'd have to see the motor to see how it could be checked .. if at all).
Mine ?... change the gap... (don't even bother measuring it)... start the bike... hook up the strobe light... point it at the rotating flywheel and see where the "F" mark is in relation to the engine case mark.... Don't like where it is ??... shut it off and either widen the gap or close the gap... check again.
I am running about 2 degrees advanced right now.
The method of using a cig paper to check the point 'break' versus flywheel position is explained in 'the giude".
Is it too complicated ?
(its hard to word it simply and still cover all the bases)