I'd let it ride a few more days to see if it drops some more. But I also have had beers in the 1.04x range finish at 1.012. But after carb & condition,they were fine. So they could be right about the lng chain sugars used for darker color/flavor. The more of those you have,the higher the FG will be.
Everything works if ya let it-Roady(meatloaf)