I could boot ubuntu and test but I don't see why I should, operating system should make very little difference
You don't have to but it's a very good test for ruling out your own hardware.
Operating system can make a dramatic difference in throughput. Older machines can hit gigabit on Linux while barely hitting half that on Windows.
A Linux boot image provides a blank operating system which can also rule out software firewalls, anti-virus, anti-malware etc or even unknown malicious software on your system.
It does sound from the specs like it's not your hardware at fault but there are good reasons why it is suggested as a troubleshooting step.
This forum has had a considerable number of slow speed complaints from people convinced it wasn't their own hardware at fault and when advised to try it they received full speed on a Linux boot iso. That's become more common since gigabit take up had increased.
It's usually down to old hardware, security software or a combination of both.
You could be running the same security software on both machines which is affecting throughput.
and if it does something is messed up elsewhere outside of my network
Not at all.
If a Linux boot disc gets full speed then it would mean the issue is within your network.
I have more than 1 Windows machine (admittedly older) with a Gigabit port that can't get near gigabit on Windows. They don't hit gigabit on Linux either but they are significantly faster than on Windows.
I couldn't blame my provider for that.
The cooling off period starts the day you placed your order and not the day the service went live.
For many orders this means the cooling off period is over by the time service starts.
The likes of BT & Virgin start the 14 days from the service starting but that's their own decision. The consumer protection regulations start when you place the order and is what most providers use.
I'm not sure about Zens cooling off period.