The fact that the "don't care" was written from the users perspective instead of the MCU was a useful hint from gbm
The rest of gbm's answer... not so much. ""common sense" is a vague term" and I am not sure where the 2% came from..
I also had to find out that there is no such thing as a "NF(Noise flag)" bit anywhere. I figure they are referring to the NE bit in the USART_SR register.
And what is meant by "is error" and "don't care" is "Is the EIE bit set in register USART_CR3"
I ended up reverse engineering the numbers to figure it out.
I noticed the numbers for "DIV_Fraction is 0" and M bit set to 0 was very neat.
3.75% and 4.375%
Since this is for 10 bits this meant I could figure that it was these fractions:
160/6 and 160/7
The 160 is the 16 oversampling of the 10 bits. 16 for each.
And the reason for the 6 and 7 can be found in the oversampling for noise detection diagram found on page 796 (Not page 974 as mbarg.1 wrote).
If the signal is off 6 16th of a bit time at the last bit, it will read 3 samples and have 1 of those be in a different bit, thus triggering an NE error by getting a 100 or 011.
But if NE interrupt errors are not set with the EIE bit then the 100 or 011 values will simply be read as 0 and 1
But when you increase the error to 7 16th of a signal slower or faster then the expected 0 will read 110 or the expected 1 will read a 100, either of them being wrong.
Thank you gbm fr setting me on the right track :)