Trying to set up a Ubuntu 20.04 server guest in Windows 10 VirtualBox (sorry, don't know if it's a Ubuntu question or a VB question) which I can SSH into from Windows. I've done it with CentOS multiple times but can't do it with Ubuntu out-of-the-box (Guest Additions installed) and I'm stumped:
C:\Users\Mark>ssh [email protected]
ssh: connect to host 192.168.1.108 port 22: Connection refused
Internet setup looks OK:

SSH running and listening on all adapters on port 22:

Firewall turned off:

In sshd I have:
AllowUsers mark
(I don't have a root user as I installed Ubuntu with the default setting)
Also:
PermitRootLogin yes
PubkeyAuthentication yes
PasswordAuthentication yes
ChallengeResponseAuthentication no
UsePAM yes
I think everything else of relevance is on the default setting, the above settings might be a bit mixed up but I've pretty much tried every combo up till now! I just want to log in with a simple password, it's just a machine for dev stuff.
I also tried
PubkeyAuthentication no
PreferredAuthentications password
to no avail...
My auth.log is on verbose, but it doesn't seem very helpful:

Only not sure why it says USER=root if I am trying to log in as mark. Is that right?
I'm surprised this isn't more straightforward out of the box.