Hi Kali, and welcome...
I'm also of the mindset that the idea of an "AD" is fundamentally flawed.
Yes, guns are mechanical devices and can malfunction, but with a major manufacturer, maintained properly, do you know how rare the chances of a gun having a catastrophic enough failure to discharge on its own would be?
Which leads us to the idea of a "ND", or negligent discharge. And no, I've never had one, and I believe that it is entirely possible for a person to never have one. If you can go one minute without a ND, you can go one hour. And one day, and one week...you get the idea.
Guns are like any other tool. You have to follow the proper safety precautions each and every time you handle them. There can be no lapses, there can be no forgetfulness. It's no different from working with a table saw, or a drill press, or a router. The one time that you say, "I don't need to bother with the guard, it's just a quick one piece job..." is the time you lose fingers. The one time you neglect to follow the 4 Rules is the time when you or someone else gets hurt.
I'd like to believe my guns have personalities, but they don't. They are inanimate mechanical objects, and they can only do what I tell them to do.
-Mark