How do you export from Blender without the Armature being rotated?

I am trying to export a model from Blender and into Unity. No matter what I set the Armature settings as in the FBX export, the rig always imports in at -90 on the X axis in Unity. All Transforms in Blender are applied. Any idea what might cause this?

Note: I have also tried disabling the FBX setting of apply transforms.

Screenshot showing that everything is applied in Blender:

FBX Export Settings:

Unity Import:


Will enabling “Bake Axis Conversion” have an effect?

That setting flips it 180 on the Y (Y shows as 0 in the inspector still though) but still has the rotation incorrect on the X. Quite strange. Any other ideas?