I thought the tier 4 gem shop did more can someone pls correct my numbers before i start investing

im investing 150k gems (hypothetically). Ultima mp is +0.01, shards are +0,03, rp are +0,02 let say on average 250gems per install (for the first 200), its 200 installs for those 3 plus 12x1.05 bonus overall

mp 1.01^200 * 1,05^12 = 13,13...

shards 1.03^200 * 1,05^12 = 663,...

rp 1.02^200 * 1,05^12 = 94,25...

now that i crunched the numbers somehow it doesn´t feel that significant.

Is there something im missing and also i would assume i need to invest in Mats and Hunter loot after a while, but still buying the cheaper ones to get the 1.05 multiplier.

can someone help with discord wisdom or with their own experience as i for sure thought it would be somwhere in the e3-e4 range befor checking it.