So if you hit your chance you fail, you have to hit 1 above your chance to pass. If you have a 10% chance of doing something and you roll 10 on a D100 then you hit your chance, 9 and below would be the fail. What you are saying is that the chance to AVIOD a DT is 1% times your level plus one. So with most things it is a roll to pass that you are looking for, on this hitting your chance means you got it right on and you pass, here is your DT for passing LOL. This is a roll you want to fail.