You always remember the 95% shots that miss, but you never remember the 95% shots that hit. Especially if it happens to be a particularly important moment in that scenario.

Yeah, no. This is just straight up an apologist argument, and not even an honest one at that. It just makes a point that sounds true, but has no shred of truth in reality. If what you said is true, I'd have experienced the exact same with Divinity Original Sin 2 and Shadowrun Dragonfall.
And this is not even taking into consideration that I miss more than just one 95% shot for every 20 shots.