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It doesn't mean 50% were more than 20% below 75 though. Also miners can mine their own tx for 1 gwei which can skew the average down (although I grant front-running bots can also skew the average in the other direction).
In any case, you're right that the median price give a better impression of what most normal users were paying, and the median gas price hasn't gone below 76 in the past month, and only 4 days had a median price below 90.
Is it possible you could have gotten a tx for 60 on one of those days? Sure, you just would have had to been pretty lucky with your timing. (Or be a miner)
Point being, you can't easily rely on that if you're looking to ensure you have a net positive ROI. Chances are, prices are going to be significantly higher.
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The yETH vault already survived one mini bear market back in September ( if I’m not wrong it was something like 20-30% dip) without too much problem staying far from being liquidated ( yearn is whitelisted on marker having access to the ETH/USD, YFI/USD and wBTC/USD oracles, hence the team has a window to react and payback part of the loan in case of massive dip to avoid liquidation at any cost). You can read more about risks in this document.