That's still good, like if it was final damage it would be OP.
Damage depends on a lot of factors.
But Halb, specifically Dragon Tooth has physical pierce so it ignore defence, doing more damage.
Yeah, I'd never give anyone insurance. I place the risk on the buyer. I don't care if they don't want the service.
PvP would be a nightmare. Surely, they would not allow Phantom Slash and invincible tags etc. Like, wouldn't people literally just spam their main...