The reason I’m concerned about this, is between VIN and ATL, state is full, but when I try ATL to PBI, I see ExStart. Firewall isn’t an issue, as I’m allowing OSPF through the correct zone.
it looks like an MTU issues , I don’t know which version do you use (on vyos) but I would like to suggest to check MTU on all the interfaces ( because OSPF used it to share its information) and also check TCP MSS value.
Now that just leaves me with the first question about OSPF topology. Does each tunnel need its own area, and each network set its own area, or can it share an area?
A single OSPF “area 0” works perfectly well for small networks, and some larger networks. On the basis of your diagram, multiple areas seem just to add complexity.