100% scaling preferences window looks like this:
https://winscp.net/eng/data/media/screenshots/pref_environment.png
Your screenshot is more than twice as large.
Isn't the settings your have posted for a different monitor than the one, where you run WinSCP (and where you run the Settings app, as its screenshots is also much larger than 100% scaling)?
Please post a complete desktop (all monitors) screenshot, including both WinSCP and the Settings System > Display windows (with top monitor layout part and scaling settings visible).