"is not rated for that amperage draw. I would also say that it's the amperage that can harm you - if I grab the battery cables with the engine running or off, there is very little amperage draw to smack me, but if I grab the cables while starting the car, it's a different story. The 12 volts would not have not changed - the amperage draw did."
The volt amp question can be better viewed as a formula.. and you have to take resistance into account. (e=ir ).
12v generally isn't enough to conduct through the resistance of your body... .. but actually can be, if you have good grounds, ( i.e. no shoes... sweaty palms / feet.
The drain on a system isn't going to effect whether or not you are going to get shocked, unless you are dealing with back emf kickback, like from an inductor discharging after being disconnected from power ( relay coil, etc ).
Most coils are already reverse diode shunted to prevent this anyway.
Think of voltage as potential... curent is developed and flows, based on resistance in the circuit.
Soundguy