Ok - to work things out from a probability of 2% per year, we turn it on its head and work out the probabilty of something
not happening, and subtract that from 1. This gives us the probability of any non zero number of events - i.e. probability of (1 event or 2 events or 3 events....)
Let's do this for 20 years - and bear in mind that this is a "before I start" estimate.
So: prob of
no events for 20 years =0.98 x 0.98...... (20 times), or 0.98 to the power of 20 = 0.6676,
i.e a 66.76% chance that you will be event free for 20 years
Therefore there is a 33.24% chance of
at least one event (could be 2, could be 3, 4 or 20) within 20 years.
However, bear in mind also that each year is a fresh start. It's the same as rolling a dice 100 times and never getting a six - the probability of a six on the next throw (if indeed you don't have a duff dice!) is still 1/6.
So if you've been "lucky" as in Gina's case, (for 25 years the maths gives us 60.34% chance of freedom from any events) there's no mystic force which is about to make your luck end soon.
You are still playing the chance game on even odds with everyone really - although I would suggest a degree of personal stability and good INR management is likely to contribute to it in Gina's case.
I did the Maths again on other examples, and you have to go for 35 years before your odds drop to less than even for being free from events. Remember, that's a calculation you make
for the coming 35 year period.
I hope no-one takes these results the wrong way - all I've done is plug in a little maths.
Try the same for 1% and you get a better result - 81.79% free after 20 years, 70.34% free after 35 years, and you take around 70 years for the odds to go below 50%.
Give me accurate figures, and I'll be interested to calculate this some more.