I stuck two bullets last year, my first in my loading career going back to 1970.
One was a factory load that had been exposed to smoke and water when my house burned in 2010. I was using ammo from that Incident for practice and to recover the brass, putting up with some percentage of misfires. But that one fizzled and stuck the bullet in the barrel. I pulled the rest of that brand. Anybody who tells you that modern ammunition is waterproof has not had any exposed to more wetting than a dip in the sink.
The other was due to too much freeboard in the cartridge. If you load a light handbook load in .38 Special but with the bullet seated out due to using a 158 grain seating setting with a 125 grain bullet, then raise the revolver from a low ready position, the powder will be at the base of the bullet, too far from the primer to ignite. After I drove that one out of the barrel, I reseated the bullets properly and all shot normally. I take the blame for loading in a rush and not getting all dimensions to spec.
It was surprisingly difficult to drive a 125 grain moly coated lead bullet out of a 2" .38 barrel with a brass rod. I would not want to try it with a wooden dowel, and certainly not a jacketed bullet.
I have not left the powder out of a round, as seems unfortunately common now, though.