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This is full of wrong, terrible and bad.
A 6' 5" person with a size 13 foot may need a COMPLETELY different DIN to a 5' 6" person with a size 8 foot, even if they weigh exactly the same.
And the people who run very high DINs do it so their skis don't fall off when they're on top of a no-fall cliff line, not to stop them coming off when they're ragdolling at the bottom of it.
Argh, double post... but I thought I should add, DIN (generally) isn't what causes knee injuries (particularly ACLs). I popped my knee in a slow, backwards twisting fall. There was nowhere near enough force in a direction my binding would release to get out of the skis. This is the whole point of the Knee Binding, normal bindings will not do a lateral heel release (even Pivot/FKS, they just pivot under the axis of your tibia when the toes release for less jarring)
A significant number of ACL injuries are beginner skiers riding rental skis with very conservative DINs. Having your DIN set WAY too high will increase your chance of injury but lowering your DIN isn't going to save you from ever injuring your knees. Having strong legs and learning to fall properly will be more good to you, but unfortunately it's a rather easy thing to do even in a very small fall.