So pretty much, if you want to list all the different places that people can attack and defend with in martial arts, and have each one be an attack used in pretty much every humanoid ever, well, that would not be efficient.
So now, my proposition IS... Attack template groups! (yay). Just like we have [BODY_DETAIL_PLAN:STANDARD_MATERIALS] we'd have [ATTACK_GROUP_PLAN:STANDARD_ATTACKS]. That'd contain all of the different places to attack with, including biting, scratching, punching, kicking, but also elbow strikes, arm strikes, palm strkes (probably something along the lines of [ATTACK:PALM_STRIKE:BODYPART:BY_CATEGORY:PINKIE_FINGER]
?)
This way, when making a humanoid creature (hell, it'd work for centaurs and quadrapeds too!), we can completely remove all the tags involving attacks and simply throw in that [ATTACK_GROUP_PLAN] thing. Then, when the exception comes along (aforementioned blade arm people), simply do [REMOVE_ATTACK:PUNCH:SCRATCH:PALM_STRIKE:UPPERARM_STRIKE] and then make an attack that uses the blade as a weapon. To ensure compatibility with martial arts, simply throw in [ATTACK_MA_TYPE:PUNCH:UPPERARMSTRIKE:PALM_STRIKE:SCRATCH]. You'll have yourself someone who can perform all the parries and blocks and strikes that a regular, fully functioning swordarm impaired member of society can do too, except with a sword!
You can also use this if you have people with tails, but they're too weak to use for combat. (I won't judge)
But what's this, now you have peasants running at you and performing palm strikes despite not having any idea how to perform martial arts? Well HEY DUMBASS IT'S RIGHT IN THE TITLE OF THIS PART.
[ATTACKPRIORITY:HIDDEN] means it can't be used at all and is for martial arts purposes only.