I've reloaded for nearly 40 years.  Never had a squib nor an overcharged load....and I don't intend to anytime soon.  My range buddy and I will occasionally shoot each other's firearms to test out a new trigger, evaluate a presumed problem, try out a new firearm, etc.  I do not recall either of us ever pulling a magazine and thus forcing the other person to shoot their ammo in the firearm.  Other than him, only my family members shoot my reloads.  
That all being said, I once buried a chainsaw in my knee many, many years ago while cutting pulpwood to make money (lived in Bemidji).  I've yet to shoot myself though.   

Edit:  Frickin' right it will chew through flesh and bone.   
