The McClane factor doesn't exist It was made up by Kaibs and the rest of you guys so you could admire McClane's unskilled luckiness.
The existence of the McClane factor in the DHverse is equal to the existence of the tooth fairy in ours, just a delusion to cover up the hard reality, which is that McClane just happens to be lucky, which luckily for him, also compounds with retard opponents, thus giving him easy, gift-wrapped wins against petty wannabe-terrorist robbers and extortionists, rather than guys who actually pose an existential threat to humanity.
He has no "connection with the universe", like some Star Wars shit. If so, I would love to see the scene in whichever DH film that mentions it. He's just extremely lucky and his opponents are extremely retarded. Sure, he is pretty durable as well, but Bauer clearly outclasses him i nthat department, so it's not even worth mentioning.