Ultimately, it's not backed by any particular science but what I noticed from looking at parses.
I have a theory on Critical Hit Rate in general and I don't think the formula for it is entirely linear.
What never made sense to me was how Critical Hit Rate and the Formula literally related. When you think about it, when you are leveling up, you have all these stats and can Crit regardless but its only at 512 Crit Rate that you are finally considered at least according to the formula to be hitting 10% Crit Rate. That doesn't line up with the fact though that you can Crit as often with considerably lower then 512 Crit when you are leveling.
Now at the same time at level 50, past 540 Critical, I noticed I wasn't actually Critting considerably more at 545+ then when I was at 540. I started trying it at different increments from the 512 -> 545 and noticed over particular numbers, you begin to reflect accurately, via parser, a jump when you cross over particular numbers.
When you think about it in relation to other classes, classes like MNK crit considerably more even outside of IR, when leveling up, despite the fact we should be at similar numbers.
This all lead me to my current theory that at least on SMN, you fall into particular thresholds of Crit. When you cross over a certain number, this pushes you into a new threshold where you will reliably Crit as often. 512 is when you cross over the particular shift, but for me, when I crossed 520, I felt the jump based off Festers and Ruins critting more often. At 530, I again saw another notable jump and finally at 540. but after 545, nothing seems to change. Just to make sure about post 545, I had to parser that and noticed it was in fact true. So the diminishing returns start at around 545.
So anyway that's why I recommend 520. I tried to prove my theory with a friend of mine equally skilled as me and he feels as long as you can get DET to cover the Crit, you can equally still do similar damage. He wasn't able to parse higher but to some extent I believe his theory is also true because he was able to keep up, perhaps 10 DPS off after like 3 mins but he can't get higher DET then me atm lol
PS: Puros calc also seems to support the fact that a notable drop in Crit can theoretically harm you more often. Using theoretical gains from Crit of course.



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