I figured this out after much effort so I thought I'd share what I came across, so others can benefit from my effort. Firefox IE and chrome 19 (the only other version I have handy) don't have a problem with this, but chrome 21 does.
If you have this radiobutton
<input type='radio' name'k1' value='v1' checked>
it will not appear checked on the page if it's in an invalid location.
For example I had
<table>
<input type='radio' name'k1' value='v1' checked>
<tr><td>table information</td></tr>
</table>
and no matter what I did, it wouldn't appear checked when the page loaded.