is 105 fcr needed? it wouild pretty much only be for teleport at that point right?

But needed but preferred. Faster tele, more fps with ice blast.
Can mf everywhere with 63, but once you go 105 you cannot go back

there's no reason not to have 105 fcr. increases your clears by a lot and it's easy to achieve

No but 105 is much faster.

If you have a choice pick 105 if you don't it is what it is.