User blog comment:JRQL/Build Help/@comment-24635582-20160707212741/@comment-24635582-20160711012258

The 99% requirement is in fact 21,125. The game rounds it up at 20,500 because that's 98.5% (which rounds up). The calculator is accurate and has always been to the last decimal point.

Which brings me to the second point. Taking away Heat Resistant from the vests and pants is a very bad idea; while you gain 60% HP, you take about triple damage from heat sources, which, ultimately, is worse.