I’ve been getting bit by this issue a lot lately…
For me, the problem has been when I’m recording an NBA playoff game and watching that same in-progress recording behind live so that I can skip through the commercials. On an NBA game, I always have to add at least an hour end padding since the games always go longer than the guide says. And I think the problem happens when the playback gets into the padded time.
So if I stop playback (to check something in the guide or whatever) when playback is only five minutes into the padding and with 55 minutes remaining in the recording, then come right back to Up Next to resume the playback on the game, it’s nowhere to be found. Scroll down and find it in Recently Recorded, play it from there and it starts over from the beginning.
I think maybe Channels doesn’t take into account any end padding when calculating the 95%.