I am new to Dukascopy and trying to make sense of the Default settings for units. I used 20k for units on a trade thinking this would be 1x leverage but it seems it was only 1/2. Is there some disparity in the manual or am I not calculating correctly?

You really should understand how real leverage (aka "Use of Leverage") is calculated: The real leverage (of a position) is always calculated as the value of your (that) position, in account currency, in relation to (divided by) your current "Free Trading Line", expressed in fraction of one-hundred (aka per cent).

E.g., if your account currency is EUR; and if your "Free Trading Line" shows 10 million EUR; and if you buy a position of 20K EURUSD, then your real leverage (at that very moment) is 20K divided by 10M, which is 0.002 or 0.2%.
And if you add another position to that already existing position, it will add to leverage again the value of that new position in account currency divided by current "Free Trading Line", and so on.
Now, if the value of your current position(s) appreciates, your real leverage depreciates - and vice versa.