As the patient was 43 years old, then 13% would make sense as the average lifetime risk. Tyrer Cuzick and Gail are very different models and use different assumptions.
Gail calculates risk of developing invasive breast cancer and Tyrer Cuzick calculates the risk of invasive and non-invasive cancer. Thus Tyrer Cuzick will almost always give a higher risk.
In addition, as shown in Figure 4 below, in Gail, if no data is given, the assumption is the lowest risk answer. In most other models, no data available is assumed to be the average answer. So in Gail no data gives minimal risk whereas in other models, no data gives average risk.