Thanks for the reply.
Yup it’s setup like your screenshot.
In the 192.168.9.X subnet and yet still able to ping devices in the 192.168.10.X subnet. Mask is 255.255.255.0. I actually wondered if I had a separate network adapter enabled allowing me to ping the .10.X devices, but not so.
But I will now re-verify this since your reply.
Yup, in the guest .9.X but able to ping .10.X devices just fine:

I really hope I am doing something incredibly stupid because it’s been very frustrating.
No other adapters connected https://i.imgur.com/6T9ZH41.png (I randomly generated the guest wifi SSID is why it’s weird).
The gateway is 192.168.10.1, so there is obviously a route to that subnet, but I want access only to the gateway, not other devices in the gateway’s subnet. 