Selfhosted
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99% uptime in a year gives you 3.65 days of downtime, which I think would still be within SLA (assuming nothing else happened this year). Though, once you get to 1 9 reliability (99.9%), you've got a shift and change you can be down before you breach SLA.
If their reliability metrics are monthly, 99% gets you less than a shift of down time, so they'd be out of SLA and could probably yell to get money back.
I worked at a datacenter that sold clients 99.99% uptime.
Fun times with a maximum of about one hour of downtime per year for hundreds of servers