Okay, let me try to explain this better...and I hope its not just my lack of experience with function gens thats screwing me up.
So first, gen is 4, scope is showing 40 (not the other way around)
And, yes the scope is 10:1, but when i hook up my Siglent function gen, I've always kept it on 10:1 and the voltage on the scope has matched (close enough) the voltage setting on the generator (1volt on silent = 1 volt on scope).
I changed the ratio to 1:1 and the voltage went down in equal measure but because its not always a 10:1 ratio (sometimes, I'm getting 8:1, now I'm getting 2:1) that didn't "fix" the problem. on 1:1 ratio I have 1V on the BK generator and showing 2V on the scope. this is all peak to peak.
So, this could all by my ignorance on the topic but I was also sold this scope at a significant discount because it wasn't functioning correctly so Im anticipating issues.