I know there are alot of shooters here. I have had gun's in my life for over 40 years. I have hunted since I was 8, my father was Baltimore City Police, I was armed in the military for 11 years, My wife is a Deputy to give a few examples. I CC 1911's and have for 30 years cocked and locked.
I have never had an "accidental discharge" when my finger was not one the trigger except for cooking off a few rounds on mini gun, and that was because my finger was on the trigger just before.
I have witnessed a few accidental discharges and they were all related to operator error.