This isn't made up, I did the math. Assuming a player takes roughly 15 per strike and story missions, 1 hour and 30 minutes for a raid, and 11 minutes for a crucible match, and an average of 8 tower trips a day (I took a poll), with the loading screens always taking roughly 36 seconds (I used a stop watch), if you add it all up, multiply by the speed the Earth rotates, round to the nearest 100th of a second, subtract 12.7 seconds for general user error (not hitting the navigator or moving the character immediately), you get the square root of a fraction of days played, then divide by zero, and you'll see it comes out to 95.34%, rounded down to 95%. You're welcome. Lawyered.