Hi have a very similar issue and I think it may be related to the same cause.
I have set up a xprofile group where I have a bunch of different radio fields like so…
About You Widget
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Display Avatar On Profile
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Subscribed Member Badge
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etc.
I have put code all around my website to show or hide things according to a users settings and it all works as it should BUT, the only problem is that the settings don’t take effect until a user goes to edit the particular profile group and clicks the ‘Save Changes’ button.
Even though the defaults are set as they should be initially, they do not actually work until the user saves them.