Formula seems inaccurate
The formula, is most certainly not accurate given the explanation of Cruelty from GGG_staff on Reddit. —Vini (t|c) 23:12, 24 October 2021 (UTC)
The changed formula is accurate
The previous version was mistaken due to not accounting for 20% increased effect from the level 20 gem mentioned in that explanation. Adding the coefficient of - or if you will - matches the formula with the results in the explanation:
or alternatively
whereas using the mistaken formula leads to
and
which do not match the values in the Explanation.