The only ND I've ever had was with a Ruger Blackhawk. You have to cock the hammer to load it.
I was at a range, loading the gun, when someone interrupted me to ask me a question. I turned toward him, keeping the pistol pointed downrange and toward the ground, answered him, and turned back toward the targets.
Next thing I knew BOOM, 41 magnum bullet into the dirt about 20 inches in front of my toe.
In allowing myself to be distracted, I had unconsciously slid my finger back over the trigger.
In this case, the gun doesn't matter, the operator does.
However...... I have a question for all the B&W's out there who are always claiming the their is no such thing as an accidental discharge. You pick up a gun that you have never used, or seen, etc. say a brand new AR. You are at the range, load the gun and it goes off due to a mechanical problem? Still blame that on the operator?