Okay to keep you updated it looks like my issues were simply down to the wallet being desynced. Although it was green and said connected I noticed seem liked the blocks weren't ticking up. I checked with my umbrel node and indeed the blocks were out of sync. So I rescanned my balance but that caused my building database to bugout at 45%. So I went the nuclear option deleted everything and recovered the wallet from paper back up. So looks like spendable balance is shown correctly now and blocks are synced. unconfirmed is cleared. Its been interesting learning curve on how transactions are made and go in the mem pool if anything.

Thanks for all the help.