I've slept with a loaded gun for the past twenty years, usually a revolver, and I have to say, odd things CAN happen. My bed gun for years was a Smith M-65, with a seriously worked-over trigger. I was living with a woman who had two Chihuahuas, who slept with us. Both of them had a habit of "digging" at the sheets, and sometimes dug under my pillow, like they were trying to dislodge a critter. I never thought about it until I went to get my gun out to clean it one day, and as I flipped the pillow over to expose it, I saw that the hammer was COCKED. I stared at it for several moments, trying to figure out how, and finally decided that it couldn't have been me, since I'd checked it the night before, and had worked all night. My girlfriend rarely got anywhere near my side of the bed, and I'm still convinced that the dog was digging at the covers, and somehow managed to cock the hammer. Luckily, he hadn't gotten a paw in the trigger guard, because in single-action, it would have fired with very little pressure, and there would have been a lot of explaining to do. I wasn't terriby fond of little yappy dogs, and I'm sure that even if I wasn't there, I'd have been accused of puppycide.
I told my girlfriend about it, she swore that she'd never touched the gun, she was afraid of it, and everytime she rolled over, she made sure she wasn't anywhere near it. My solution, since I carried it fairly often, was to shave off the hammer spur, so it couldn't happen again. The hammer spur dug into my love handles when I carried it Mexican-style, so it was no big deal, and I've never regretted it.
As for downloading by two..........I still don't understand why that would be a good idea, unless the weapon involved is a hi-cap auto, and you don't want to over-stress the mag springs. With a DA revolver it makes no sense to me.
If you're worried about AD's with a gun in the bed, the solution seems pretty obvious........don't sleep with it!
PJ