Jace, la Mente Perfeccionada
Jace, the Perfected Mind
Compleated ({U/P} can be paid with {U} or 2 life. If life was paid, this planeswalker enters with two fewer loyalty counters.) +1: Until your next turn, up to one target creature gets -3/-0. −2: Target player mills three cards. Then if a graveyard has twenty or more cards in it, you draw three cards. Otherwise, you draw a card. −X: Target player mills three times X cards.
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Reglas oficiales (4) · Scryfall
Other replacement effects that would change the number of loyalty counters Jace enters with will apply as normal.
Jace's second loyalty ability doesn't care which player's graveyard has twenty or more cards in it. It could be the target player's or another player's.
A Phyrexian mana symbol contributes 1 toward the mana value of a card, even if life is paid for it. Specifically, Jace's mana value is always 4.
The compleated ability looks only at whether a player chose to pay 2 life for a Phyrexian mana symbol as they were casting the spell. If a player paid life for some other reason while casting the spell, that will not reduce the number of loyalty counters the planeswalker enters the battlefield with.