Thanks for all the responses, this is why I appreciate THR. I wholeheartedly agree that complacency played a big role in this most sobering situation. And yes, it has made me permanently change my practices regarding my handling of firearms, as the horror of the smoking gun and the hole in the wall is burned into my brain. I have decided that (FOR ME) there is no reason to leave a round chambered in the gun when it goes to the nightstand. It will be just as easy for me to rack it if some thug decides to break our door down (and we have had a few incidents around our area recently). When the gun was on the nightstand was the only time the gun ever had a round chambered, so now I have resolved NEVER to chamber a round unless I am going to fire the gun. (I'm also considering leaving the loaded mag next to the gun, but I haven't decided on this one yet. I don't want to be fumbling with the mag in the dark while BG is rushing me with a tire iron.)
I've also decided that there isn't really a good reason for me to dry fire the gun. I know this gun well, and I practice with it at the range often. That is better practice than dry firing.
In a sense, I am thankful that this happened now, and without more serious consequences, as it possibly saved me from continuing in this negligence and experiencing something disastrous down the road. My attention to detail, the seriousness with which I take handling a firearm, strictly adhering to the standard rules of firearm safety as well as working to develop personal ones, and my sense of responsibility have all been extremely heightened, and I am going to ensure that it STAYS THAT WAY from now on. I have come to realize though, that if my negligence had resulted in the loss of a life, the 'I'm only human' argument would not have cut it. The responsibility is mine for the gun in my hand, and while it is true, and mistakes do happen, that doesn't seem to fit with the seriousness with which I now must take the handling of my firearms.
I also respectfully disagree that simply shooting more often increases your risk of ND. Wouldn't shooting more reinforce your habits of safety, as it makes your safe habits 'part of your DNA' as others have described?
Chuck, thanks for your concern, I think my 'mental is stable.' =) My wife was verrrrry upset at first, but now mainly just thankful that everyone's OK. Thankfully, she agrees with my new safety precautions, and isn't going to make me sell my precious 82 or any other of my guns.