[Terrillyn]

!! I think I may have come up with a solution finally, I'll need to test it abit more but its working so far.
here it is

checkbox

setFunc = function(val)
    SimpleXPBar.AWSV.general.account_wide = val
 
    if SimpleXPBar.AWSV.general.account_wide then
        SimpleXPBar.CurSV = ZO_SavedVars:NewAccountWide("SimpleXPBar_Settings", "2", nil, SimpleXPBar.AWSV)
        SimpleXPBar.CurSV = SimpleXPBar.AWSV
    else
        SimpleXPBar.CurSV = ZO_SavedVars:New("SimpleXPBar_Settings", "1", nil, SimpleXPBar.CharSV)
        SimpleXPBar.CurSV = SimpleXPBar.CharSV
    end
end

At playerload

SimpleXPBar.AWSV = ZO_SavedVars:NewAccountWide("SimpleXPBar_Settings", "2", nil, SimpleXPBar.default_settings)
SimpleXPBar.CharSV = ZO_SavedVars:New("SimpleXPBar_Settings", "1", nil, SimpleXPBar.default_settings)
if SimpleXPBar.AWSV.general.account_wide then
    SimpleXPBar.CurSV = ZO_SavedVars:NewAccountWide("SimpleXPBar_Settings", "2", nil, SimpleXPBar.AWSV)
else
    SimpleXPBar.CurSV = ZO_SavedVars:New("SimpleXPBar_Settings", "1", nil, SimpleXPBar.CharSV)
end

In this case I don't need a deepcopy it seems, since ZO_SavedVars will copy values from the default arg.