I'm not saying it's an "unsmart" decision either. I'm just saying that the added life seems like the better choice.
Also, you have to take into account of the attack rating. From your Screenshots you have ~11k AR if you go for damage, while if you stick with ~12FC damage you have around 20k AR. Damage doesn't really matter if you don't hit. Isn't it fun to have this conversation?
By the way, if you were able to make your ideal FC build, how much damage/life/ar would you have?
I love talking about builds, so it's all g :grin: .
If you read my post above I explained the reason for my choice and compared the damage, so I dont feel like repeating myself.
Porky, first off you have to realize... I'm smarter than that lol. I'm aware of what hits what, and what gear is used for whom.
Full damage gear: +3 ammy, bk ring, ravenfrost, arachnid, 20/-20 monarch. Target: 20k+ damage, one hit KO
-not a popular selection, only useful against low defense characters such as necros and sometimes Blizz sorcs using mana shield, when I'm just going for the "reshape" one hit kill attack. Also killer in hell cow games
Full damage + Block/DR: +3 ammy, bk, ravenfrost, dungos/Tgods, SS (Jmod--optional)
-against bowazons/cs zons, Fury wolves, and other FC Bears. Basically low defense characters where you can bump up the damage, yet you still NEED the block/resists, so 20/-20 monarch isn't an option unless you use Jmod and your opponent's elemental damage. When characters have >3k defense, even ~11k AR is an auto hit, you have to match your attack rating to their defense.
AR+ damage gear: Anghellic ammy/rings, (ravenfrost--optional), 20/-20 monarch, arachnid, waterwalks.
-best situated against Hammerdins, I easily hit 22-32k AR and 16-19k damage with this setup. Jmod would be ideal, since blocking charges is still important if your life gets lower. 2-hander such as a giant thresher just gets you charge/smite rapeed
AR + DR gear: Anghellic ammy/ring, ravenfrost, vertungos, SS
-This setup combines 23-32k AR with 50% damage reduction. 14-15k damage, such as screenshot 1. One of my most common setups, since it's for dealing with WW-Barbs, Smiters, and Zealers, basically any high defense melee characters (although I dont consider smite melee...still). It's also the lowest damage route, so I commonly compensate by using cta/20/-20 monarch on switch for fissure or better yet 30/-30 PB.
...As you can see, there's nothing really that "Ideal" about my FC build. It's all relative to the situation, you should have a full stash of goodies.

For PvM or regular play, however, I more often do something more like option 2... but usually with 2xravenfrosts for ~14k AR, 17k damage, and 70% block.