So I took your advise and re-installed the game.. and it worked.
I guess I should have tried that first but Honestly I'm kind of amazing on how on earth this bug manifested. What is going on here? Somehow Xoti VO or text or something is corrupted and this is treated as a non-fatal error? Also I guess this means there's no integrity checks for assets in Unity. I see that steam can checksum files, I really wish I had tried this before re-installing to see what got corrupted. Maybe this should be part of the standard troubleshooting process? It seems more likely that a bug in POE somehow corrupted the file(s) rather than a cosmic ray flipped some bits in my SSD, especially considering that SSDs perform error correction...
Either way I'm really sorry for having wasted your time, thanks very much for responding.