Now that finally make the race "amorphous blob" playable. A creature that can shape it's body depending on the requirements of the situation, but needs time to shift shapes successfully. Such a system is interesting because it provides a high number of combinations to explore, and if done right, there is no single "best" configuration, but a lot that excel at different tasks.
Maybe the player does no polymorph himself, but can summon helpers, and in the process he also creates the body structure for his summons?
A few ideas:
Damage usually is the result of impact, that is speed multiplied by mass. Many martial arts people try to maximize speed over mass, and are successful with that.
Also, animals have horns/rams, claws, spikes and teeth to fight. You might want to equip the creature(s) with such, too.
Add an "internal structure" attribute, that will serve two purposes: Once it determines how much mass outer limbs can have, until this limb fails to function. And in battle, internal structure will be a measure for the functionality for the limb chain. (E.g. if it's an arm, internal structure is the bones, and a broken bone renders an arm very much useless).
I feel uncertain about the concentration idea. Our brain handles a lot of tasks automatically for us, not only the low level stuff like heart beats, and breathing, the middle level stuff like walking or throwing, but it also filters a lot of sensoric input, and only the things that classify as "important" reach our conscious thinking. I think we can handle a lot of different input. What we are bad at, is trying to perform more than one task or activity at a time. In such cases our success rate at each drops quite a bit.
Thus instead of limiting input, I'd limit control. A human brain in a octopus shaped body will have troubles to control 8 tentacles in a sensible way. So maybe the more limbs there are to be controlled, or the more limbs are involved in an activity, the lower the rate of success becomes?
Also, a semi-fluid body at times will allow to pass through small openings, but at the price of loosing all equipment. Lots of ideas to explore there for sure. Good luck
Edit: spelling.