Thank you for your very detailed response, I just assumed Vref and Vapp were interchangeable, so very insightful.
It also hit me that if you look at the MCDU in the image, the landing is configured for ‘CONF3’ not ‘FULL’, meaning that the Vapp and Vls speeds cited in the FMC are not compatible with the full configuration landing I was performing… alas I changed my Configuration to 3 and the figures all lined up.
Do you know if its possible to change the Config in the FMC of the default A320? Tried using the scratchpad to insert it, tried clicking on the key next to full but nothing. Appears as you say the A320 have exceptionally low fidelity, and it a shame the the FBW will never be available to Xbox user such as myself.