Interesting. I suspect the correct interrtation of the 0.01 probability is not one in 10,000 dives but perhaps one in 1000 divers is predisposed to DCI and may suffer an injury 1 in 10 dives. I suspect they are medical anomolies rather than representative of the general diving population
So what? This is kind of what DevonDiver is getting at. Having done a good number of dives you may get to be confident that you probably do not fall into a group who are susceptible to DCS. Having said that my mate with the PFO had many hundreds of dives over lots of years before he got an otherwise unexplained bend.
I don't think many people can really be sure they are not in that 1 in 1000 or whatever the rate is. So diving prudently means that if you find you are you may get away with it.
Recall that PFOs are present in something like 25% of the population.