Slashey, sorry but I disagree there. As MagicSpice said, luck is a factor too and you can't say they're Pay 2 win or some random money values just because you don't have them. I have a few F2P friends who got lucky. 1 has a Rudra and 1 has a Hraes. Sure the number would be less but I've also seen people spend hundreds of dollars on the rate ups and not get Rudra or Hraes.
I personally got a Kirin from a Premium Ticket too so I feel it's unfair branding such things as Pay 2 Win just because you've been unlucky.
That can change in the future because you will keep spending (considering what you said about having spent on Karin and Guaranteeds) and you may not get them and get one from a premium ticket from some raid event or a single jewel pull.
Gacha means luck and lowered rates mean you need more luck.
Even though I still disagree with that terminology, if you really really want to brand something as such, kaisers would be more appropriate since you would need atleast 1 LB on them to make more effective use of them compared to a 100% which will be used as main.
(Also just a suggestion :- Please refer to them as 100% or 140% since DMM has those too and it can get confusing for non members who are probably speaking here for the first time. Nonetheless, it's just a suggestion)