Here's how it works, sort of (BASED ON a true story).
Decades ago a mad scientist with access to cadavers decided to find out what it took to break leg bones, i.e., how much torque was required. He broke many bones that he obtained from corpses. He then did a statistical analysis on the data he had about the dead bodies, their weight, height, age (at time of death), etc. He correlated statistical distributions, such as at Torque A, 50% of the bones broke, at Torque B, 30% broke, At Torque C None broke, etc. He then made up graphs that compared how easily the bones broke at different risk levels representing higher and lower percentages of bones broken at that torque. The equations for these graphs were quite complicated, so he made a chart. For a given length of boot (changes what torque you get from a given force applied to a size 13 vs a size 4 boot), a given weight (heavier correlates to stronger bones developed by supporting that weight), a given height (relates to length of bones), and a very low (maybe even zero
but seems like) percentage of broken bones you get curve 1 - risk level 1 on the chart. For a higher percentage you get curve two and level 2 on the chart, for higher still, you get curve three and level 3 on the chart.
T
he force from the chart (derived from statistical curve and length of boot in the length x force = torque) gives you, the chances of breaking your leg at that force.
It has nothing to do with how much force you need to stay in the bindings skiing the way you do in the conditions you do.
To be safe, you really should set the bindings with the least amount of force you need to stay in the bindings even if you could set them higher (at 3+ say) and be fine.
As you age, you lose bone density. Maybe we could have smooth curve, but that would be complicated for most folk, so they picked an age and drew a line in the sand there.
If/when you are skiing the same way in the same conditions as you did at 27 when you're 62, you will need the same DIN now that you needed then to stay in your bindings (and you made it to 62
). If you want to have the same chance of breaking your legs, and not a greater chance, you either lower the setting and change how/where/when you ski (don't straight-line steep icy chutes full of snow boulders where it levels out a bit from when the cornice fell in last week), or accept a higher risk factor.