Creepers do not do the maximum damage if the player remains on the ground. On Hard difficulty a point blank creeper explosion should do 64.5 damage, or 8.31 hearts of damage while wearing full protection IV netherite armor.
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Does (MCPE-153770) explain your issue? I.e., if you assume the creeper explosion occurs at the center of the creeper, and the damage to the player is calculated at the player’s feet, at least 0.9 blocks away from the explosion, does the damage calculate correctly?
The creeper only does more damage if the player is jumping.