If it didn't start at 95% charge but did at 97%, it's likely that you have resistance (corrosion?) in your power and/or ground cables. I had something similar one time. I kept the corrosion at bay on the cables (I thought), but some had worked its way under the battery post connector into the end of the main. It would sometimes start and sometimes not, like a dead battery, but the battery was fine. After the battery test, the second test was wiggling the cables in a no-start condition. When I did that, the cable broke right off the terminal block. That said, it could be the other things you mentioned OR it could actually be a bad battery. Sometimes, the inexperienced guys they hire at the parts stores don't even know how to properly use the battery tester.