I have figured out the problem and want to report it for anyone's reference.
I initially added one fingerprint to User1. This fingerprint wasn't great, I wasn't having great a great hit rate with it.
I recall reading here once that people were adding multiple instances of the same finger with the goal of improving hit rate, and so I another then another. Three total fingerprint entries for Thumb with one additional entry for Index, for four total entries on User1.
After tooling around for hours and wracking my brain I eventually thought to try deleting all but one total fingerprint entry - problem solved.