dnd 5e – Effects of wearing armor without proficiency

The PHB (p. 144) says:

If you wear armor that you lack proficiency with, you have
disadvantage on any ability check, saving throw, or attack roll that
involves Strength or Dexterity, and you can’t cast spells.

How am I supposed to parse this, as

“If you wear armor with which you lack proficiency, you have disadvantage on
(a) any ability check involving any ability,
(b) any saving throw involving any ability,
(c) any attack roll specifically involving Strength or Dexterity, and
(d) you can’t cast spells.”

OR as

“If you wear armor with which you lack proficiency, you have disadvantage on
(a) any ability check involving Strength or Dexterity,
(b) any saving throw involving Strength or Dexterity,
(c) any attack roll involving Strength or Dexterity, and
(d) you can’t cast spells.”

Further, how am I supposed to know which interpretation is correct?
Am I expected to correlate it with other information in the PHB, or is there a standard way to parse grammar when it is vague (for example, always assume ellipses in coordination when possible).