I would actually assume even higher for the lost coins (probably close to 1% are sent to bad addresses alone over the course of a year, and crashes without backups, forgotten passwords, etc. another 1% probably).  The cumulative growth is certainly much less than 1% of the total mintage when you factor in the huge number of coins sitting on exchanges not being staked and the similarly significant number in paper wallets or other cold storage that are forgotten for more than a year at a time.

My guess would be that moving forward, 'inflation' of 1% will probably look more like 'deflation' of 2-3%.  At least until a time when there are a ton of places to actually use BLK (or any coin for that matter) regularly as opposed to simply holding/trading.  Basically, until you can buy gas, groceries, clothing, music, etc. crypto is fundamentally only a vehicle of speculation and an academic/social experiment.  Hopefully that will change, but at the moment it is what it is and nothing more.