Hi,
Life is a stochastically-driven phenomenon, so the "safety factors" with respect to the Richter curves are to be interpreted as "probability not to trigger a damage". I'll try to explain better...
The Richter curves are generally refered to 50% or 90% of survival probability; that means that, when you find 1E5 cycles for Sa = 85 [MPa] with a 1-sigma Richter curve, you have 0.5 probability to reach this number of cycles.
If you want to be much more confident of your life prediction, you have to scale-down the Richter curve by a factor which corresponds to reaching the desired confidence. 3-sigma, or in other terms 99,7% of confidence if I remember well, corresponds to "almost-certainty" and will approximately scale-down a 50%-confidence Richter curve by a factor of 3 in N. For constructional steels, the dispersion factors between 10%-confidence and 90%-confidence S-N curves are approximately 1.5 in S and 4 - 5 in N.
Sincerely I don't know where this "rule-of-thumb" of dividing the resistance by 3 comes from. It sounds a little absurd because, depending on the noth factor, the surface finish factor, the ambient factor, the dimensional factor, the shape factor, and the mean stress Sm (see Goodman-Smith / Haigh...), the scale-down factor between gross-stress allowable for static condition and for fatigue condition can vary WIDELY, from 1 (no fatigue effects, or unrelevant) to 5, 10, ...
Regards