95% means that on average only 1 in 20 keystroke will be wrong. Even if your password is very long (40-60) that means only 2-3 errors. Since more people are not machines their long password will be a combination of words like the famous "horsestaplebatterycorrect" example from xkcd.
Even if you flip a few letters from something like the above a human attacker will easily be able to fix it manually.
"horswstaplevatterucorrect" for example is still intelligible.