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I have had one experience with an accidental discharge many years ago in my own home. Like yourself I failed to chamber check. I just had a trigger-job done (by some hack-gunsmith who didn't know BHPs) and, when I racked the slide, the hammer dropped with it causing a round to discharge. Luckily I DID have my Browning Hi-Power pointing in a safe direction (always treat the gun as if it were loaded) and the round went into the floor. One experience is enough to teach me to be "anal" about safety for a lifetime.
Lebell made a good point - I will chamber check, even on a weapon someone just checked, stripped the magazine and handed over to me with the action locked back. If I check a chamber on a weapon I hand over to someone - I expect them to do the same. I'd be wary about their practice if they didn't.
In fact, not only do I visually chamber check, but I often stick my finger in the chamber to feel the empty feed ramp.
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