This is what happened when I imported an FBX with animations from Akeytsu with the "Fully Baked" option:
Each animation became an action and all is well!
The animation has been split into an animation for each and every bone for some god forsaken reason.
Unfortunately for me, all of my newer animations are using UMotion in Unity, which does not have a bake option on export. Is there some special way to import animations that fixes this problem? Also I'd love to know why it's doing this to begin with!
Thanks in advance!
Edit: My back and forth with the UMotion creator seems to debunk the theory that the animation needs to be baked. https://support.soxware.com/en/communities/1/topics/823-is-it-possible-to-bake-animations-on-export#