Stat growths, Stat Caps, and Overcap Question

[atNilla]

When you have a unit with a capped stat, and they levelled up, are the stat levels that would have otherwise happened recorded internally for class changing? 

If thats not understandable enough ill try another description:
Anna has a Luck Cap of 20 in her class.
Anna has also hit the Luck Cap in her class while at level 1.
Anna levels up to 20.
Anna changes class to a class that has a Luck Cap of 25.

Does Anna's Luck go up to 25 due to an internal stat counting judging that her level ups would have put her there if not for the previous' class's cap?
Does Anna's Luck go up only to what the class naturally gives?
Does hitting a stat  cap completely stop that character from being able to gain stats in the capped stat?

I realized I don't actually know what happens with stats beyond capping them after you cap them, which bothers me greatly. I know there are internal levels that are kept track of, but does that also apply to individual stats too?

[Jotari]

I don't know about Engage, but I'm pretty sure in previous games it was. I had my Kris as a Falcon Knight for most of my recent New Mystery playthrough but when the speed cap in endgame became so ridiculously centralizing I swapped her over to a Swordmaster when she was already 20/20 and she had a capped speed despite a lower cap in Falcon Knight than Swordmaster. I'm quite sure Awakening worked in a similar way. Valentia might not though given their form of reclassing is to reset to level 1 completely and in Three Houses the idea of reaching caps is a little absurd. But Engage is robustly designed and they accounted for it in previous games so I expect the same remains true here.

[X-Naut]

Reclassing a character subtracts the class bases from the character's stats then adds the new class's bases to that stat. Characters' personal stat totals are preserved upon reclassing, meaning you will never lose stats if you decide to change back, but the stat is still constrained by the new class's cap.

Capped stats cannot be proc'd on level-ups, so if you somehow jump from one cap to another then either 1) the promotion bonus was less than the gap between caps or 2) you temporarily pivoted to another class and leveled that stat above the base class's cap.

tl;dr answer to your question, Anna will gain whatever Luck promotion bonus she's due but it will not jump to 25 due to "hidden procs."

[atNilla]

1 hour ago, X-Naut said:

Reclassing a character subtracts the class bases from the character's stats then adds the new class's bases to that stat. Characters' personal stat totals are preserved upon reclassing, meaning you will never lose stats if you decide to change back, but the stat is still constrained by the new class's cap.

Capped stats cannot be proc'd on level-ups, so if you somehow jump from one cap to another then either 1) the promotion bonus was less than the gap between caps or 2) you temporarily pivoted to another class and leveled that stat above the base class's cap.

tl;dr answer to your question, Anna will gain whatever Luck promotion bonus she's due but it will not jump to 25 due to "hidden procs."

So then in maddening mode, stats just outright stop getting points added to their tally each level up once theyre capped?
And if I swap to a class with a lower stat, like from berserker's 96 to sages 43, then back, her HP wouldnt jump back up to 96?

[X-Naut]

2 hours ago, atNilla said:

So then in maddening mode, stats just outright stop getting points added to their tally each level up once theyre capped?
And if I swap to a class with a lower stat, like from berserker's 96 to sages 43, then back, her HP wouldnt jump back up to 96?

First question, yes. You're not gaining a stat if it's capped until you reclass to something where it isn't.

Second question, it will jump back to 96 if you reclass back.

[atNilla]

14 minutes ago, X-Naut said:

First question, yes. You're not gaining a stat if it's capped until you reclass to something where it isn't.

Second question, it will jump back to 96 if you reclass back.

So then how im understanding this is that i'll need to reclass to other classes with higher caps, then cap those stats, after which once every stat is as high as it can get, swapping classes will always result in every stat being capped. 
Sounds like an enormous chore that would get extremely grindy.

That being the case, it seems like once a unit starts getting most of its stats capped, swapping to a class with overall high caps and grinding those out/using stat boosters, to have fully capped stats in every stat is maybe the most efficient way of doing things. Was kinda hoping stat point accumulation would still happen, especially in the case of maddening mode where it seems the only way to reset a point accumulation is to cap the stat and I guess put it at 0.00