I honestly doubt there are many people who have never had atleast one AD. When I was new to fire arms, I read, re-read and double and tripple checked everything. I went 2 weeks with my berreta before I could muster the courage to load it. Loaded, it, unloaded it etc. I would always fire it till it was empty at the range because having to unload it scared the bejesus out of me. I wouldn't load or unload it with real ammo at home period.
This routine went on for a good month till I was beyond any doubt comfortable handling it. Just as well! One day I loaded it, then unloaded it and put ammo back into the box threw in range bag went on down to the local range to blast a few...
I get there, buy targets, some more ammo, put on saftety gear head to a lane. I put the bag on the table to get my weapon and ammo out ready to shoot. I lift my empty magazine-less berretta and as soon as I clearly the bag and was moving my hand to the side to set it down...BANG!
I must have turned white like a ghost. Shaking badly and my heart racing, I look at all my neighbors to make sure no one was hurt. The gun was pointed downrange, but I'd be lying if I said I have a real clue where I was pointing ot where the round went. No one noticed, but that didn't help me feel any better. Till this day, If I feel rushed or distracted, I will cancel or discontinue a range trip. Better safe than sorry, and there is no magin for error handling firearms. I wont even load and pack a CCW piece if I am in a hurry. Id rather go without it. It might seem excessive, but thats what I decided long time ago, and am sticking with it.