Okay, figured it out - you guys got me going down the right track.
First, the Uv Xform will only scale/offset the image, but not repeat it - a cool trick I wasn't aware of.
To repeat the texture, you have to go the the next screen under diffuse, then under ImageTexture, you turn the Repeat flag on, which is now what I realize is what Zylann meant in the first place and I didn't get it. Just posting this and some pics for anyone else who has this issue in the future.
click on the arrow point right, next to diffuse...
and then click on repeat, under flags..