Your right in most part.

99,999 HP
999 MP

my bad.


As for the spread grid, you can get 99,999 HP plus 255 for all by having 30% hp, 20% hp, Break HP Limit customize armor. This armor is actually quite weak compare to any armors with Auto-Haste, Phoenix, Potion and Ribbon. So why do it? Because after beating all the bosses and ya got nothing else to you, the character just looks good.