KindShaman
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5% of the crossbow damage = 4 damage units
5% + 5% * 3 = 20% = 16 damage units.
Next, we calculate the elemental damage.
additional fire damage (20%)
In total, with the passive ability, about 3 damage units of fire are saved. However, that's not much. Perhaps it's worth enchanting it with fire after all.
Added 3 minutes later
On the other hand, the first shot removes a quarter of the health of any material enemy, and if the crossbow is destroyed, there won't be one.