I fully believe that people who are their own hazard are safer than people who go to the extremes to stay safe. It’s all a mindset.
A person who is unbelievably cautious can easily become complacent because they just KNOW that they are safe when in reality they really aren’t. Situation here may be just that. “I always unload every gun at the end of a range session, so this gun that’s in the house is unloaded” can easily turn into a 911 call.
Opposite THAT you have the haphazard person who knows not to trust himself. They have hurt themselves time and time again by making silly mistakes so they know how quickly and easily a mistake can happen. They learn to overcome an ocean of risk by being extremely good at one or two cautionary points, and they do those couple of cautionary points VERY regularly.
I know of a guy who put a bullet through his truck door by tossing a rifle into the seat during a storm. I think it was an old Winchester 30-30 and the hammer partially cocked as it hung on something and when it slipped free BOOM. So stuff like that are very serious lessons in keeping a shell out of the chamber when in the vehicle. Gun can be handled improperly, can be left loaded, can have numerous things happen but until there’s a round chambered it’s not going to fire. I bet dude is really good at short strong info the action to see if it’s hot. That single lesson learned and counteraction can overcome a whole bunch of unsafe action.
I also know of a very sad situation where one of my friends lost a son. Kid was a safety nut and made sure no guns were loaded at home or in the car. He was at his grandparents and found a crusty old model 10 that needed some attention. It was at home so it was safe is what they think he assumed. It was loaded and he ended up with a 38 special through the sternum.
Being overly cautious is generally good, but it can also be bad when it creates a false sense of security that allows for major mistakes.