I'm starting to get this. Many thanks guys!
I think I need to practise creating these scenes even if they contain no actual logic, just to practise the idea how to slot these in together.
My first try I was trying to create a scene I called "Entity", which seems to be similar to what you described as a "Unit". My thinking was to put everything common to any "Entity" into that scene object.. then from it derive/inherit player scenes, monster scenes etc.
This "Entity" would then contain all common items like movement, gravity, lava kills it, acid kills it, can swim in water, but you can drown (unless overridden if you have aquatic monsters etc)
Then once having these player & monster scenes derived off the base "Entity", pull those into the game scene.
That was the thinking I used when trying to setup something very simple known near 0% of Godot.