Question about MP Washing (for Chief Bandit)

Hello.

I'm a LVL 101 CB and my plan with MP washing is to "catch-up" on HP washing since I started pretty late. I want to hit around 10K hp w/o HB by LVL 150-ish because I want to be able to fight bosses like Toad or Anego and some of the heavier hitting ones at Neo Tokyo.

Currently, I have 2.7k base HP (nothing on), and around 2350 total MP.

LVLS 67 - 92 : I started pumping INT until I hit 140 BASE INT.
LVLS 93 - 95 : I wasn't thinking and put 15 points into DEX, for some reason.
LVLS 96 - 97 : I put all 10 AP into MP. I gain 24 MP per AP ->> MP. So 120 bonus MP per level + 14 bonus MP per level up = 134 bonus MP / LVL. I suppose the formula for this is 10 + (0.1 * BASE INT).
LVLS 98 - 101: I have 20 AP unspent.

Questions about MP washing in my case:

Since I get 134 bonus MP / LVL, how many times can I wash? Am I gated by the amount of times I can wash from the AP I've spent? For example, I tried to take out of MP when I was like lvl 70, but I couldn't for some reason. To clarify : Since I only put in FIVE AP into MP, that means I can only reset 5 from MP?

Does that mean I have 134 bonus MP, but I can only take out 60 MP per lvl (thieves lose 12 MP per AP reset), and therefore unable to reset the extra 74 MP? Or is this not the case?

2nd Question :

If the case is that I'm NOT gated by AP points spent into MP (to be resetted out of MP), and instead am gated by how much bonus mana that I've generated, then how much AP could I possibly put into STR/DEX/LUK per level? Is the maximum 5? With 134 bonus MP per level, I can reset 11 times per LVL, but the maximum you can put into PRIMARY stats is gated to 5?

And last:

Is the MP resetting method MP -->HP and then MP --> LUK ? Does the order in which stats I reset into matter? With 11 washes, I was thinking MP --> 6 x HP then MP --> 5 x LUK etc...

Or maybe I'm wrong and I should just remake my character with INT equips....

Anyways thanks for reading my post. Any advice is appreciated!