Are you assuming that the 1.3/100k fatal accident rate applies to the type
of flying that you do?

I'll take that bate. Yes, it is one component of the statistic. The
1.3/100K is an aggregate of all types of GA flying. Divide that into
different categories of flight (mountain flying, bush flying, IMC, Night,
etc: of course being careful that categories don't share population like my
examples...) and it is very reasonable to hypothesize that the statistics
across types could be very different.

Carl