For normal Players you dont even need to know about the difference between those 3. Normal Players dont need to math out their Stats, they can look up the overall effect of where their Stats come from and what is affected by what, but in the end they only see “hey i have level 35 in Strength” of which 7 levels are from mental, 20 levels are from physical and a 30% Bonus comes from being a certain slightly more buff Race, but in the end you only need to know the 35.
A Tutor could tell you how to use your Strength better, in the end you gain a Level of Strength but at a certain point your mental Strength Level reaches the Level of the Tutor and you cant learn anything from him anymore.
It would be WAY frustrating to find out you are naturally so buff that you couldn’t train with a Tutor because your overall level was too big already, I had that shit happen in Morrowind a lot, and my reasoning is “the Tutor might know something you dont know already, even if you are much better than the Tutor overall”.
Same Issue with Racial Buffness, you could be a weakling compared to other people of your Race, but you still overpower all Humans you meet, why couldn’t you do some regular weight training to become more buff? Clearly you are strong because of your size and not because of muscle training, so muscle training ontop of your size should have a valid effect and not an arbitrary overall cap!
But you are right about people having to look shit up, I want to keep that as low as possible so I need to make a very good Stat UI.