Seven Gravel - IF of .89 for 6hrs - big diesel or wrong FTP or other?

I think maybe a combination of both?
Rather than the 20 minute test, I would suggest doing one the progressions from Emperical cycling:

Since your FTP number is likely low (and almost certainly not high), trying one of the longer progressions with your current FTP will tell you if it is low. Note that in this case the tests won’t actually give you a valid FTP because you started at a very low number, but at least you will get a good idea that it is low.