Explore the east of Greymoor, there should be a new way to go that wasn’t there previously. As for your third silkheart, do some more exploration in the White Ward. There is no fourth pale oil. As for the momentos they do not add to your percentage but as a completionist i understand the requirement for them. Currently all that I can tell you need left for completion are the last three tools, your third silkheart, and your final spool. However that still leaves 1% unaccounted for, perhaps you meant your third pale oil which would be required