I've never had a problem with it. I always check the chamber - drop the mag then rack the slide a couple times as a matter of course. And, even still, I keep the gun pointed in a safe direction when I pull the trigger.
If not stupidity, anyone who manages to shoot themselves while field stripping a gun is certainly guilty of complacency. No matter how much experience you have with guns, you still need to remember that they have the potential to be very dangerous, and treat them like they might be loaded every time you pick one up.
si vis pacem para bellum