Not sure how this changed from buying gear to percdntage vs AC but ok...
You always have 5% chance to miss (roll of 1) but the propability of dice rolls can be directly translated to percentages chance of succes.
If someone sees a high percentage chance to succeed and then fails he isent in the right when he complains that the result is wrong... You were likely to hit or succeed at that skill roll or attack but it wasent a guarrantee. Any dnd player can tell you that even with almost guarranteed chances of succes, the dice will fuck with you 😂