I would agree. That’s about the only way I can justify everything.Based on my limited understanding, the only you're getting a reading between Line-Side N (i.e. the CB neutral pigtail) and Load-Side L1/L2, with the breaker handle in the OFF position, is if the breaker is taking power for some other internal components from the LOAD SIDE of L1/L2 as opposed to the line side.
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Other posts here are hinting at power coming from the line side of the breaker contacts, but it seems reasonable if it were to come from load side of breaker contacts simply for the fact that it would disconnect all of that circuitry from line power if the breaker was off.