I'll disagree further to drive a point home.
If you get the mindset of "it can't happen to me", you've entered the realm of complacency.
When you enter the realm of complacency, it DOES become a matter of "When, not if."
You *always* exercise all of the rules, because if you get complacent or nonchalant about handling a firearm, bad things can happen.
My Uncle Kevin got complacent, nonchalant, and even cocky about it.
He's dead now. Killed himself on accident one night carrying his gun to bed. Stumbled, reached to catch himself with the gun hand, it twisted, finger went in to the guard as it twisted, and he put a round through his aorta, severing it. He had time to say one thing to my aunt before expiring in front of her and their two boys.
I had to clean up the mess after the Sheriff's office unsealed their house after the investigation.
This isn't basket weaving or a game of checkers.
If you screw up, your remaining life span, or that of someone you love, might be measured in seconds.
So, don't get the mindset of it "can't happen to me", or "I'm too good for that", or "I'm not that dumb", or "that happens to less educated people".