This is starting to sound like the old saying that there are NO car "accidents", as each is caused by a bad or inattentive driver doing something he/she shouldn't. However there are accidents caused by things beyond anyone's control or reasonable expectations. To approach any tool with the thought that you have EVERY failure/accident incident covered is , well, we would never use the tool. You cant think about a clamp/holdown cracking, featherboard coming loose, tension in the wood, or metal fatigue in the bit. There were machine tools at work, professionally maintained, that because of the nature of their action and where they were used, the machinists refered to them (jokingly) as the widowmakers. Reminds me of the OSHA cowboy cartoon.
I had my fingertip removed by a tablesaw when I was 11, (couldn't wait for dad to get home) but 40 years later I don't fear it as much as other tools. I used a moulding head on a table saw once and THAT almost led to a premature short changing.

Using a simple xacto blade cutting paper sent me to the hospital when the .005" tip cracked off and shot right into my eye. Of all the times I use safety glasses for everything around the shop, who would think you need some for cutting out a paper pattern. I shot a 3"nail through my hand, quite the sight, but didn't start throbbing till hours later. Fell off the house while roofing and only had 2 back surgerys from it. I guess the thing I would have done different was to have someone else do my roof. I do plenty of metalwork too, so I've had my share of burns, cuts, pinching fingers in the grinder. Cut my own firewood most times, and a chainsaw has been pretty safe for me, but I'm at ground level, not up in the air trimming a tree.
I've had more black and purple fingers than I can remember from hammer wacks. I had a couple kickbacks on the saw that missed me by a few mils....it's good to stand to the side. I used a wobble dado once and it gave me the chills. Just didn't feel comfortable. I like the chipper dado much better just because I don't feel it's going to fly off any second.
I've read stats somewhere where it stated that 40-some percent of home shop accidents are caused by a tablesaw. Not surprising since that's the first big cutting machine most people buy. I've been bit by most tools out there, but the ones I'm most apprehensive about are the shaper and jointer. Don't know why, just the meat eating ability of those tools I guess. BTW that shaper is a 1947 Montomery Ward made by Atlas that hasn't seen a guard or shield since my dad had bought it new to build his first house.
Someone here mentioned the CMS as a close second. I don't doubt the the fact, as there's many types of work habbits out there, but for me that has to be one of the safest tools I use. I have one hand gripping the wood, one hand gripping the handle, and neither hand moves till the operation is done.
Anyway, I thought I'd use up my first post status to say hi to everyone, and say that whenever we aim a sharp hard object at a softer object and strike, sometimes s**t happens, and most of the time it's minor thankfully. Whatever tool I use I like to turn it on thinking I'm more in control of the operation than not. If not I rethink the situation and try to think of an alternative.
I take a risk everytime I go into the shop. The alternative is becoming a couch potato, getting bored, going insane, and having an early heart attack.
Take care all,
Tom