Which, as said elsewhere, is still a 1-in-400 chance. A commercial pilot lands a plane thousands of times in his life. 1d20 with a 1d20 confirm would mean no pilot ever survived to retirement.

And one could argue a commercial pilot has a fairly average skill level, the equivalent of a level 0 character with a ~4 points of proficiency (D&D3 mindset, I know I'm old). Someone who is 5 or 6 times that should have no meaningful risk of crashing a plane (and the plane should have no meaningful risk of dangerously malfunctioning 0.25% of the time)