In other words, the 1/X statistic is conditioned on the average person's precautions (like not walking outside in a lightning storm), and by not applying on those precautions, you're using the statistic outside of the distribution that it applies to.
But I think there are also some complications you're missing. These lifestyles matches can be a form of luck. Maybe you're having a busy week. You're probably paying attention to the app less because of course you will. On the other hand if you're being set up by a friend then that friend can be like "hey, they're busy this week but let's set you up next" and there is more empathy involved.
A major problem with dating apps is that they are trying to be that friend that sets you up but they are doing a really terrible job at replicating what that friend is able to actually do.