I've tried the .6 and .8, I tried using the .4 to see if it would reinstall the current version, I've tried force stopping the updater as well as deleting its cache files and data.
I was looking at doing TWRP (I used to have it on an older phone but have kept this one stock) but from what I can see, if I unlock the bootloader and install it, it will wipe my data. I was trying to save the hassle of having to back everything up and reinstall it all (mainly things like authy, my bank apps, etc), is it possible to install TWRP without wiping my data so I can just update to a current ROM. As it is, it's looking like I'm going to just have to bite the bullet and wipe it.
From what I can figure out from using Google it looks like whatever issue I have is somehow linked to the fact that I have an sd card that is formatted as internal storage (other Xiaomi phone models with this same symptom seem to have this in common).
Still no idea how to fix it bar wiping it clean.