You're not lucky. You take care of your equip., more than likely, know how to shoot, and buy good ammo.
My experience is very similar to yours. I've never had an accidental / negligent discharge and never plan to. I've had some issues with .22LR ammo, but that's to be expected. It can be some of the most finicky ammo produced.
BTW......I keep my finger on the trigger when pointing it at a target. That's the way I was taught and instructed. I've never had an issue and I don't believe in all this PC crap going around as of late, with your trigger finger extended along the receiver.