Dreadlocked warriors :
Team strat is just that, how you want the team to perform. Individual is how you want them to behave independently under the team strat.
So if you want 14 to be the only guy to penetrate then set team penetration very low and his quite high. Etc.. Don't worry about the silly warning triangles, they mean nothing.
Find someone in your guild who's full health and play them in friendlies tweaking a bit at a time to find cause and effect.
Hope this helps
In case you hadn't picked it up from Dredlocks' good advice, low penetration is the way to develop a passing game in your team. So if you set your team strat with a very low or lowish penetration, plus your forwards with low penetration, you are going to ship it out to your backs a lot of the game from kick off, rucks and set piece. Then you can vary penetration on each of your individual backs to get them passing more or less. So if you have a very low team strat penetration, and then say a penetration of 70 or even 80 on your 12, he will still pass the ball often, but will penetrate space when it opens up. If you prefer to attack down the 13 channel, then lower penetration slightly on the 10 and 12. Lowering it on your wings means that you generally attack more through the centre of the field which seems to be about the most effective way of going about things in my personal opinion, but obviously everyone is different. Chip and chase is a nice tactic too so playing with kick rate on players who don't have a high kick power is something to explore.
Just a few illustrations of how you can get the interplay of training and settings going.