So when you begin, you start with 3 points. Think of them as current points, not loaner points. So at the very beginning you have 3 current points, 0 pending, therefore 3 total points.
When you spend points, your current points and therefore total points go down.
When someone buys from you, your pending points and therefore total points go up.
Pending points become current points as soon as you ship the item.
Starting points never change, and if it helps just ignore them! That's what I do and it makes the whole process much less confusing for me!
Does that help?