WP Mail isn’t sending user account messages, does send from plugins

No, hooks have nothing to do here, all the emails you mentioned (WordPress Gravity Forms and WooCommerce) use the same function wp_mail.

I strongly believe this is blocked outside of WordPress, and I suggest you use a SMTP server with a real email address, you can use Postman SMTP Mailer/Email Log which will also help troubleshot emails related problems.