Well, if you study aircraft mishaps, as I have, you soon find out that while "pilot error" is the largest single cause, there is a substantial variation of how you define it.
For example, say an engine fails due to a mechanical problem, not related to anything the pilot did. Not pilot error, right? But what if he is right over an airport and should have been able to easily land the airplane but crashes it?
A fatal Cirrus crash here in FL shows how much pilot error can occur. The pilot flew from the east coast to the west coast of FL, landed, and checked the oil level. He did not tighten the oil cap. On the way back he saw the oil pressure was down; oil was going overboard due to the loose cap. He had an opportunity to land at an airport only 20 miles away but did not. He diverted around thunderstorms and then decided to land at another airport since the oil pressure was getting very low. He did not make it; the engine quit and he crashed in an open field near the airport, killing himself and his wife, both in the front seats; the rear seat passenger survived. He could have diverted to another airport when he saw the problem but did not. He could have just landed it in the open field but did not. He could even have popped the parachute but did not. Now what was the cause? The loose oil cap was the real cause but he had multiple ways to recover from that problem.
By the way, on the Cirrus, look up the specs. If you pop the chute at below 1000 ft AGL it probably will not open in time, and that is even worse if you are in a spin.