The buff from your equipped items — Luck, enchant levels, grade and excellent options across 7 gear slots plus accessories.
Rings & pendant count their excellent options and enchant levels — grade and luck are ignored.
Calibrated against the live server (07.2026): grade counts ×0.625 (the old guide’s "/2" is stale), integer parts only; effects per point — 0.03% damage/defense, 0.75 crit, 13 HP; the game floors displayed values.
Only these 5 classes have a published multiplier.