I wasn't arguing. I was just backing you up :) But I was under a previous impression that tooltips are accurate to what they say. I never tested it myself to see if it is doing what it says it does. Though, I guess technically if we went strictly off the tooltip, I think the formula would be ((.05 + .4) / 100%) = 45%
I also assume that healing buff stacks are multiplicative because HP restoration isn't a set number, but we would have to see the actual coding that goes into HP restoration along with the RNG constants that influence them. At least I think anyway. I'm not the best at this kind of thing.
