If Crit still works to its’ traditional way, with Mages, anything over 33.3% is ‘surplus’… something to do with ‘diminishing returns’, iirc. If this is still true, then the amount of Crit you have @iL892 is more than enough.
If the recommended ‘higher iL gear’ you mention is adding to your Int. pool, then this isn’t always a bad move - if for the simple fact that Int. rates higher than Crit. (custom stat. weights, aside that is).
If those who code the sim./add-on know better - and they usually do, or they wouldn’t do code - please add/correct as necessary.