"...I was worried about the same thing when I did the math and it came out just under 9% EOs. I looked up safe % uses of EOs in skin care and found a lot of products use them in even higher amounts. Found a lot of conflicting info but went for it anyway. If I put the cream on and turned into a newt I'd know it was a bad idea...."
<snort!> A newt, huh? Pretty funny!
Seriously speaking .... I have been working on an insect repellent with 10% EOs that I'm testing for "no-see-ums" and mosquitoes in the Midwestern USA and Belize, Central America. Works pretty well, so far. And it's nice that the lotion I add the EOs to is good for your skin.
From my point of view, if the product is meant for limited use to solve a problem, then a higher % of EOs is acceptable. If the product is meant to be used long term, however, a lower % of EOs is more reasonable because some chemicals in EOs do accumulate in the body. And if the EOs are for fragrance only, then even lower is probably a good idea. I'd say your cream falls in the first category.
On the other hand, I know that rosemary can be nose-twisting-ly potent, at least the stuff I normally use for lotions. I found myself wondering if that much rosemary also clears your sinuses along with your arthritic aches and pains.