% max hp true damage walks into a bar

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%max hp true damage is made to be unable to itemize against it, like point and click spells are made to be undodgeable. If you want to avoid fioras passiv damage, you should protect your vital spot and not stack heath or armor. If you want to avoid garens ult damage, you should be extremely careful as villain and not just stack mr. Thats you counter.

Not stacking health and armor is kind of counter-intuitive when she has a massive crit bonus on her E.

No, the counter to Garen's ult passive is to not kill anyone.

Garen has no ult passive if your team has 0 kills.

Then again you might not win if you have no kills.