If you have used an online genetic calculator they are not always 100% accurate due to unknown splits and the odd variation from the norm.
Your male certainly looks like a pearl pied to me and from what I understand he is split to cinnamon and chick 3 being cinnamon pied is a hen
It sounds as though your hen is pearl pied. If that's the case then you're right, he can't be visual pearl. Or if he is, something is going wrong with the expression of the gene. The amount of ghost pearling on his wings is very impressive though, and I would have guess that he was visual pearl.
It's possible that he's split pearl. It's also possible that he has the "spot gene" which also causes ghost pearls, although I've never seen such intense ghost pearls on a spot gene bird. Here's an article about it so you can look for signs in your chicks. It can be hard to tell with pieds though because they tend to have pied feathers in the places you want to look at, and pied feathers never have markings. http://www.littlefeatheredbuddies.com/info/breed-spotgene.html
It's also possible that it's something else entirely. The pearl mutation seems to be somewhat prone to disruption, and the coloring on the wings seems to be somewhat prone to disruption too. I strongly suspect that there was a time in the past when the pearl mutation (or something similar to it) was the normal coloring for cockatiels, and there are still several genes hanging around in the population that were related to producing the pattern. It's always possible that one of these genes could "fire up" again and have an effect on the feather coloring without actually being the pearl mutation. Here's a link where I talk about my "ancestral coloring" hypothesis. http://www.littlefeatheredbuddies.com/info/breed-coloration2.html#opaline