[JimMorrison]

Honestly, it seems like there are 2 problems, as far as giving directly helpful advice -

First, if you really want it realistic, then you will have to research the individual martial arts themselves, and then through anecdotal recordings of students of different philosophies, assign "personalities" to each art, and assign effects accordingly. However, I don't think anyone would fault you for just kind of making it up yourself, as long as you try to apply at least a superficial logic, ie- students of Tai Chi have enhanced Balance, and ability to Meditate. What does that mean though? That's the other problem.

And that is, it sounds like you want a non-traditional character design, which is definitely cool. But while cool, it means it's hard to just jump in and offer something well thought out, and hope that it applies to how you envisioned your system. It could be fun to assign factors like "Balance", that as they increase, give stealth bonuses to certain things such as Dodge, or a resistance to being knocked down. But do you want that info transparent, or hidden? We just don't know these things. I do agree with the different moves concept though. Perhaps one school of spear would get a critical strike bonus because they focus on powerful thrusts, while another school is more attentive to footwork, giving you enhanced mobility between strikes.