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I think the 2.5 is what you get for lv1 schematic, and the 3.75 is what it's showing for "and this is what you'll get at lv2". 2 seems to be what I find on random clothing in loot. (I've just started playing, too, so I'm no expert.)
I thought so too but on the apparel schematics screen it shows what you get with the next point and it says 5 percent.
At an apparel crafting bench:
For EACH type of apparel resist (blast resist, bullet resist, etc) you will require 5 levels of schematic for that type. That is 1,2,3,4 and 5 crown schematics. This gives a MAX of 10% resist at L5 - 5 crown (gold) Schem.
At least now you don't need to sort them to find what you need to complete your max resists.
In you Profiles tab (map, inv, skills, etc) the clothing bonuses is in the right side of the screen. As you click through you crafted apparel (of the 4 main types, jacket, shirt, pants and boots) you will see how your apparel enhancements stack. As you can get a max of 10% resist in each damage class you can get a max of 4x10% for your whole outfit.
Ignore the 2% (or whatever) an apparel item claims to have as standard. That'll get soaked up in your crafting assembly.
The newest incarnation of schems is to 'earn' schem points as you down robots. TBH as I have all the apparel schems I cannot tell you how this system works although on the face of it it looks like you can 'buy' into the schems you specifically want.