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you are also forgetting there are in fact stat caps for example lnc str caps at 290 and pie caps at 280 there has been testing on this in the archer and lancer section in this forum i can post links if people want
I'm a bit skeptical of this, but my testing has only been on my marauder, and I haven't tested vitality's effect on damage yet. This may also explain though why people feel gear isn't particularly useful.

Having stat caps is a poor decision from a design perspective; I don't see why they would implement something like a materia system, and then make much of the harder to obtain melds obsolete.