> But if it was me in that plane and I saw a 10% risk of serious bodily harm / death in trying to land and a 0.1% risk in jumping, it would be tempting to jump.
I think your intuition is wildly off base w.r.t. the risks of general aviation and sky diving.
If you exclude experimental aircraft like fighter jets and kit builds, general aviation isn't much more dangerous than riding a motorcycle. The leading causes of death are misjudging the weather and miscalculating fuel because most of a pilot's training isn't in how to fly a plane but how to troubleshoot it midair or land safely if that is impossible.
An unplanned skydive in a mountainous area in Southern California during Santa Ana season? Now, that's risky. (Edit) For perspective, Nevada sky diving companies won't even jump over Black rock desert because of the wind and that's a desert so big and flat that it's used for amateur rocketry in the 100k+ feet range.