Alright… so after some testing and modifying of my emissive material… i added in the material a divide node and divided my emissive by an eye adaptation node… This seems to give good results for lowering the emissive strength to much much lower for similar results in both day time and night time scenarios… And because i got to lower the emissive… the blobby mess is no longer there… and i could keep the bloom at a normal default value. Tweaking the lens flare.
Seems like i have my solution. I dont have to mess with lumen at all and keep the lumen stuff at default values like this.
Not exactly the solution i was looking for, but an acceptable work around.