Wooo! I stumbled upon the solution randomly.
I clicked on the [44.1KhZ 24bit Wav] text at the top of every Reaper project and it gave me a "secret" dropdown menu, and had something called "Monitoring FX". I dunno what that is, but it seems I had a VST on it! Funny thing is, aside from making all my projects mono it was also colouring the sound. Arg!
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