Warren,You can accomplish what you want with only one clef at a time. Write your mallet percussion parts as usual on one staff with a treble clef. When the player has to change to tambourine (or other unpitched instrument), create an expression that says "tambourine" and define it to change channels to channel 10 (the usual percussion channel). You can use the percussion map to set the tambourine notes to appear on any line or space in any clef. If you want the clef to change to percussion clef during the tambourine part, you can either use staff styles or the clef tool to do so. When the part returns to a specific mallet instrument, create an expression that says "vibes" (or whatever) that directs playback back to that instrument. The only problem that can arise is if you have two separate parts with the same instrument on them, i.e., perc 1 plays timpani and cowbell (bass clef) and perc 2 plays bells and cowbell (treble clef). In that situation, you may need to rethink the percussion part assignments so that the cowbell is always played by a player in, for example, the treble clef.
BTW, you can set up percussion parts with a bass clef if you want to. I believe that there is a percussion map library that is set for general MIDI, bass clef entry that comes with Finale. If not, you can easily create one. I enter all of my drum set parts and bass drum/snare drum parts in the bass clef.
I realize my response does not contain a lot of detail, but I am not sure that completely understand what your problem is. If you need more info, or think what I said won't work for you, try posting again with a bit more specific info.
Good luck
Jim Coull