The fact that with the correct settings your livery is messed up on import into EEA seems significant IMHO. It means the origin of your issue is the conversion of your Photoshop file to a .dds game file. Your other settings just masked the problem until you get into the game.I changed it too those settings and nothing changed except for the fact that when I import the dds into EEA it now looks like the cursed version instead of what I made in photoshop
Edit: Aside from saving problems, could it be that I have steam cloud saving on? Maybe I have the wrong 3d model and it's messing it up in game?
I doubt very much you have the wrong 3D model, either way the issue you are seeing is not UV map related. Are you using the latest version of EEA? i.e. 8.0.1?
If you're ok with sending me your .PSD livery file, I can try it out on my end, and confirm it's just something with your process. You could also try verifying your game files and then re import the livery with a fresh install.
Cheers