Does Magicka Regeneration stack or mean anything?

So im trying to do a standard mage build. The catch is that im limiting myself to the mage robes i stole off of Anise early game. My main idea was to get better Magicka regeneration to match that of a Mage NPC. I don’t know if that’s possible and I’m beginning to read stuff saying that Magicka regeneration means nothing if you have 100 magicka max especially in combat.

Im currently level 24 on master and i have 260 magicka. I struggled horribly to defeat the first dragon cause i kept running out of magicka and the Apprentice stone didnt help me much.

I am wondering if i grind enough i can match the right perks, Restoration Magicka regeneration, Alteration Atronoch, and Ward Absorb if i can become a powerful mage. Not to mention the gear i have and the apprentice or Atronoch stone. Then theres a question if this all will stack. I did some horrible math and i should have over 200% magicka regeneration already which must be horrible cause it still sucks in battle

Forgot to mention. As i am bound to only using the mage robes i don’t really like wearing a Circlet. In fact i don’t really like wearing BOTH rings and necklaces cause i really don’t like the ring placement and most armor the necklace glitches through so i never wear both. So Cost reduction would probably be very low as i can only put it on some things