UPDATE:
My theory worked! In the first video regarding importing the FBX in Substance, “auto-unwrap” was unchecked by default.
In my substance, it was checked, so I left it. That messed up the UV’s which we created in Blender, and the results were not as expected.
After reimporting and unchecking “auto-unwrap” the mesh worked as expected and the materials now look correct and great.
Cheers friends, thank you!