Of course, I could be completely wrong about this.
I think you are. If you add "junk" to reduce the 75 % to 3 % you've made the target for a cosmic ray about 100 times bigger. The chances that one will hit the coding regions doesn't change -- they are just as big (or small) a target. Now the chances are much greater the ray will hit
somewhere though are much higher. It's just that
if the cosmic ray hits at all it is much more likely to hit a non coding region.
Sort of like if you are trying to avoid being hit by random street gunfire. You aren't a big target but you do have a chance of being hit. So you carry around a great huge barn door strapped to your back. Your chances of being hit in the body don't change but your (you and your door) chances of being hit change by a lot-- it's just that most of the hits will be to the barn door.
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