44% crit is not cap. You just cannot get over 44% from "normal" sources like full ulti crit manastones, the best roll stats for crit, food, transformations collections etc. etc. For example, like wrote twardy, you can surpass it by crit buff there (ToC) so what i wrote above is only "false" cap. In patch 5.x and earlier such "cap" was 50-51% because you did not have any more effective sources for better crit and above 50% you could get 1% more for next some 200-300 (?) crit (before that "limit" some 10-20 crit for each next 1%) so completely not worth.
And i am laughing when new player is thinking about buy 3x noble odians when broker for them is almost empty and they are horrible expensive (imo) even if they are put there xD I have 5x red normal odians for extra skill because i cannot see any chance for 3x noble even if i have 10kkk kinah, lol.
About runes - i recommend rune for additional attack and area of effect for templar. Truly effective because templar has the most skills for single target. Worth underlining that 2 runes are nice for daily/weekly luna for extra dps there so faster finishing (daily from 7-8 min to 5.5 min, weekly from 10 min to 7 or less min, nice proc) xD Third rune is personal preference - i have exp boost for pve (supp slot), for pvp probably crit or attack boost but i am not pvp player ![]()
At the end - with full ulti crit manastones and all for crit i have some 7800-7900 crit so 42% chance (of course except transormations collections, you can get there some 1k more crit). Imo decisively for templar is the best choice crit over pure attack - nice burst with properly skills for pve side and even without full pvp set (no 3 pieces of armor and weapon) i can compete vs not p2w whales too with this dmg (when these 2 attack runes proc i can even one-shot some squishy dps char like painter xD). Of course this is my experience as normal player ![]()