"But don't tell me you never touch a trigger outside those parameters, like at home when your handling, testing, cleaning your guns."
If a person is going to own a firearm then he/she MUST get into the correct mindset: ALWAYS treat a firearm as if it is loaded.
My dad verbally beat that into me at age 8 when I got my first BB gun (spring powered). Same when I got an air-powered pellet gun at age 10. Same when I received a .22 single shot rifle at age 12. Had to go to hunters safety class at that point to get hunting license. And so on to more and more firearms.
It is NOT necessary to "touch" the trigger on a firearm to clean it unless the firearm is unloaded and the action is locked open. The only "exception" I can think of is a "cowboy" style single action revolver in which the cylinder does not swing out or remove. In that case I empty cylinders, then block the hammer with a piece of wood, or more likely my weak side thumb, before cleaning the trigger area.
Practice dry firing does include touching the trigger. But, again, treat the firearm as if it is loaded and aim in a known safe direction at something that is an appropriate backstop (bullet stopper).
As an instructor, yes I have had students pull the trigger when they did not intend to. That is NOT accidental, that is negligence! BTW, I always stand behind a student I am working with just for that reason and overtly insist that the firearm is always pointed down range.
I store firearms at my home with some of them loaded, clocked and ready to go (safety on). Some holstered. Some sitting in a safe. Most are unloaded, but I treat them ALL as loaded and cocked. Always. No exceptions. It is mostly "empty" firearms that injure and kill people.
Besides being an instructor I also work sometimes as an armed private security guard. My weapon of choice (if i provide it) is a single action Browning High Power carried loaded, cocked and safety on, and holstered. I MUST keep my finger off the trigger when handling. Practice makes good muscle memory.
I have trained and have drawn from my belt holster, and put away, the same loaded firearms hundreds, if not thousands of times without putting my finger on the trigger until actually having the weapon drawn, locked on target, safety off and ready to destroy the target. Those steps are all conscious efforts that must be practiced until second nature
I am tired of writing about firearms safety. I will not post any more on this subject. BE SAFE. If anyone has any questions about firearms safety or training, please PM me. I highly recommend the NRA series of standardized training.