In a former life I was a volunteer fireman. When ammo cooks off it sounds like firecrackers and we didn't worry about anything getting through the bunker coat / face shield. If it cooks of in the chamber it sounds like guns going off (it is) and we'd pull out.
Hairspray and WD-40 cans caused more concern than loose ammunition.
Proud member of the NRA and Texas State Rifle Association. Registered and active voter.