Du musst einfach nur `\pgfmathprintnumber` verwenden anstatt `\pgfplotsretval` direkt zu expandieren (Das ist das, was `pgfplotstable` intern auch macht).
    \begin{filecontents}{n5.txt}
    5   0   0.59049 0.32768 0.23730 0.16807 0.07776 0.03125
    5   1   0.91854 0.73728 0.63281 0.52822 0.33696 0.18750
    5   2   0.99144 0.94208 0.89648 0.83692 0.68256 0.50000
    5   3   0.99954 0.99328 0.98438 0.96922 0.91296 0.81250
    5   4   0.99999 0.99968 0.99902 0.99757 0.98976 0.96875
    \end{filecontents}
    
    \documentclass{article}
    \usepackage{pgfplotstable}
    
    \def\getcell#1#2{%
      {%
        \pgfplotstablegetelem{#1}{#2}\of{\nV}%
        \pgfmathprintnumber{\pgfplotsretval}%
      }%
    }
    
    \begin{document}
    
    \pgfplotstableread{n5.txt}{\nV}
    
    \pgfplotstabletypeset{\nV}
    
    $P(X \leq k) = F(n,p;k) = \getcell{0}{2}$
    
    $P(X = k) = P(X \leq k) - P(X \leq k-1) = F(n,p;k) - F(n,p;k-1)  = ???$
    
    \end{document}
![alt text][1]
  [1]: http://texwelt.de/wissen/upfiles/test_152.png