Your Guide to HP and MP

This has an implication - adding AP from level ups is much more effective than using an AP Reset in terms of HP and MP. You always get the short end of the stick with an AP Reset, but it's possible to get maximum benefit from straight AP distribution. Meaning using an AP Reset at level 200 to swap MP into HP is much less effective than doing it along the way. Especially for warriors and magicians, because Improving Max *P Increase doesn't apply to AP Reset increases.

Could you explain this in a bit simpler terms? Sorry for being dumb.
But does it mean that leveling with INT equips from like 10 and washing it all out at 120 is a bad idea?