depends on how strong your team is... 5% water atk might make a difference if you're packing some really high assault... the "meta" players probably got a grid full of assault and pride at SLv20 to make that 5% matter...
Tiamat though... possibly blows those two out the water.... pun not intended...
Tiamat has more atk than most eidolons in the game, ups the rate of double (i'm seeing 5% more chance from comments), and provides a barrier... reiki is just 5% more water attack with around 2/3rds the raw atk as Tiamat and comes with a fire resist, while JF comes with the same things as reiki (more or less), but sometimes removes a charge from bosses and has slightly higher raw atk than reiki...
it's more a case of what you need... in my case, i rolled a ton of defensinve kami and not many offensive ones (hell, my SSR in water element is Aphrodite, Snow Raphael, and Sarasvati). Jack Frost with that pretty much lets me outlast a lot of fire fights and even some off element ones (although my wind and light teams is better for that). i still tend to use reiki as a friend (and sub considering my reiki isn't MLB) but in fire fights, i'm not dying anytime soon...





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