Write error == (fixed) base pair mutation. A classic example is a methylated cytosine spontaneously deaminating to yield thymine. Our DNA repair enzymes can't tell the difference (in terms of which is the "right" base) between the thymine and the guanine left behind, but since they don't match, one of them has got to go. Thus there is a 50-50 chance that the mutation will be fixed. That's the easiest example because it's not an "error" per se (rather a thermodynamics problem) but genuine proofreading errors also occur. The net rate is about one in a billion bases.

These estimates ignore indels and SVs but empirical evidence suggests that the "everyone over 50 has a 50/50 chance of at least one adult stem cell harboring a mutation in at least one interesting gene". My personal favorite is

http://www.nature.com/nature/journal/v518/n7540/abs/nature13...

but Druley's follow up was equally awesome:

http://www.nature.com/articles/ncomms12484

and the recent survey of adult stem cell mutations is nice:

http://www.nature.com/nature/journal/vaop/ncurrent/full/natu...

One take-away from all this is that, while 95% of a sensitively surveyed population of 50-60 year olds had at least one stem cell with at least one known preleukemic mutation, it is equally clear that most people aren't walking around with anything resembling an acute leukemia. The natural conclusion is that in individuals with a competent immune system and diverse enough pools of healthy stem cells, it's not that big of an issue. Only when bad luck and/or stresses to which the mutants are adapted (e.g. TP53 mutations in therapy-related leukemia) afflict people, or the natural diversity of their stem cell populations collapses (as with really old people and individuals whose immune system actively attacks their stem cells, as in severe aplastic anemia) do you see the sort of massive, life-endangering takeover that we recognize clinically as disease.

Furthermore, nearly all of us are born with 5-10 predicted-to-be-lethal variants in our genomes. Clearly, we're also not dead, so our conception of "lethal" can't be quite right. There is an enormous amount of complexity in how real live multicellular organisms deal with variation and mutation, something we're really only just starting to grasp, and of course all of that then interacts with the person's environment to manifest (or not) their genetic tendencies. We build models of reality because the actual thing is too complicated to be tractable; it's important never to confuse the two :-)