Of coarse you add them up, they are all engine failures.
2% crank + 2% oil line + 1% bearing = 5% major engine failure rate.
That's is some seriously shady statistics. 1 sled could belong to the bearing and the oil line failure (we have people on the forum who have had all 3 on the same sled). That does not equal 5% overall failure. Its tempting to just add them up, but statistically you cannot do that and be accurate at all.
10k sleds, 1% failure is 100 sleds. Group A
10k sleds 2% failure is 200 sleds. Group B. It is entirely possible that all 100 sleds from group A are in Group B, or 0 from group A. Thus the maximum failure is 3% and the minimum is 2%.
10k sleds 2% failure is 200 sleds. Group C. It is entirely possible that all 200 sleds from group B are in group c, or 0 from group B. Thus the maximum failure is 5% and the minimum is 2%.
I would bet the overall failure is probably somewhere around 2.75%. Since everyone I know who has bearing failure ended up with oil line failure later as well. Those sleds don't count as 2 or 3 different sleds that failed, they were 1 sled that failed in multiple groups. That doesn't seem egregious when knowing just how failure prone 2 strokes are in general. (if you have owned 10 new 2 stroke sleds in your life, chances are you have seen a motor failure)
Further, if your cat or doo failed, did they give you $500 parts credit and an extra year of warranty while getting you back on the snow within 2 weeks? Kudos to Polaris for stepping up putting out numbers and backing their customers.