When the phone boots into the recovery to flash the update, I am getting a red triangle and the error is unexpected contents in settings.apk
Any suggestions on how to get this update working other than hard resetting before the update?
Can you reboot normally? Just select the Reboot system option? Also, if it insists on going to update, hold power button to forcefully restart and keep pressing the volume down button to get into bootloader mode.
Try restart from there.
As you are FULLY stock (no root, should say LOCKED on that bootloader screen) you can either consider going through the warranty OR trying it yourself to fix by unlocking bootloader OR take it to someone locally.
Unfortunately all options will lead to data loss.