I had one ND. I was 16 at the time. And now I'm an old gray haired man and it still scares me to think about it. The first deer I ever killed I had climbed up on the limb of a tree to hunt. (No, I didn't have a stand.) I tied a rope on my gun and pulled it up after I got on the tree limb. It was not loaded at the time. When I shot the buck I got so excited I immediately wanted to get down. I started lowering my gun back to the ground with the rope and something hit the trigger and it went off about halfway down.
Luckily it was pointed at the ground. In my excitement I had neglected to clear the chamber, or put the safety on.
My heart was already racing with buck fever, and when the gun went off I thought my heart was going to jump out of my chest. I will never forget how bad that scare was.