You are correct in assuming that some of what you are experiencing is the bow itself holding you back.
Those short recurves are harder to be consistently accurate with vs a longer bow with more relaxed string angles. I don't know how anyone can even shoot those short Bear bows 3 under unless you have a very short DL.
Shooting split finger, your point on is much further which makes you less accurate at short bowhunting distances. We could debate that fact but there are really any Split finger shooters that can beat the 3 under guys at tournaments.
The forged F261 Junxing [sometimes sold as Exe Scream] is every bit as good as the Satori- if not better for $160....but it's made in China. I like it better than Satori or the Trad Tech riser which is significantly heavier.