What to do with washing near 30k base hp or mp

If I'm lvl <200 and I'm getting near 30k base mp or hp, should I reset it out so I don't waste any? Or does the game "remember" my actual hp/mp past 30k, but soft caps it to 30k?

Which of these scenarios is accurate?
A mage for example:

1) 29,999 MP before lvling
2) lvl to make it 30,300 mp (players see this capped at 30k)
3) AP reset out of MP into HP
4) Base MP stays visually at 30k (max) even when using an AP reset because actual MP is at 30,300 (now 30,270 b/c 30 mp is taken out per reset)

or

1) 29,999 MP before lvling
2) lvl to make it 30k mp (gained only 1 MP from lvling)
3) AP reset out of MP into HP
3) Base MP is now 29,970

If scenario 2 is accurate then I should be careful not to hit 30k base stat before I hit lvl 200 right?

 

so I should try not to hit 30k until I hit lvl 200? QQ

 

ahh sorry I meant to say I need to keep my hp/mp at like 29,800 until 200 to not waste any lvl-up gains if a hard cap exists