Like me in '94, you got to learn a real good lesson at a cheap price. Cheap because nobody got hurt and nothing expensive was destroyed.
In '94 I went to clean my Bullseye gun, which at the time was still a Ruger Mk II bull-barrel. The darn take-down lever wouldn't come down, and I remembered that if the gun was cocked the lever wouldn't work, so looking at the left side of the gun I "un-cocked it" by pulling the trigger. No auditory exclusion there - that .22 going off was the loudest thing I ever heard! The bullet went through the wall into the backyard and I found it. Haven't done it since, and hope I never do again!