I look at sv% somewhat like QB’s interceptions in the NFL. A QB could drop a pass in a receivers hands, it bounces out and a defender catches it, that interception goes against the QB. In the 6 interceptions Allen had this year I would say half of them the pass were spot on but the receiver screwed up. If a goalie absolutely has no chance on a goal, if a puck gets deflected, etc it affects the goalies sv%.
UPL’s stats may not be elite but he’s at least playing well enough to keep them in games most of the time. He even stole a game or two this season.