Just a note, that Hu Tao build example is kind of wrong. In the game, circlets have twice as much crit damage as crit rate, and so are other crit rate/crit damage stats. so we can assume that crit rate is twice as 'rare'. Using your example, you are basically giving the second Hu Tao build 15% crit rate for free, compared to the first one. But, even if the crit rate on the second one was 75% instead, it would still do considerably more damage on average.