OK - so my array finally finished rebuilding. While it is about 70% full, I don't think that will have a huge impact on performance as it is an array, not a single drive.
While I got close to these speeds occasionally with SMB with dual port 10g nics on each PC connected with both ports to each, it wasn’t nearly as frequent (getting those speeds).
So the disk array is the bottleneck or my motherboard not having enough PCIe lanes I have 1 16x card and 2 8x cards and while I have 16x slots galore, I think I only have about 24 lanes available at most.
For anyone new wondering about my environment, a single nvme disc to nvme disc copy between the two PCs only got to about 800mb transfer so my array is much faster for transfers although the SSD is pretty consistent in copy speed. The bandwidth only matters when transferring large files - e.g. over 1GB as small files don't achieve nearly the bandwidth utilization.
While I haven't really shifted any paradigms for my home network it was fun for me to test. I just completed a replication of files that have changed in the last 2 weeks between the 2 PCs - 626GB (3,959 large and very small files) - the replication took 15 minutes and 43 seconds. That might help someone who wanted to know a mixed calculation of file speeds vs purely large files.