oh peacherina, you ARE accident-prone! :p
When I was young a nearby neighbor's house caught fire from a cigarette smoldering in an ashtray, and it was tragic. Ever since then, I've been the most careful person with fire, heat, and electricity. I have 3 sets of quality pot holders in my kitchen. I think, hmm, could this burn me? If the answer is maybe, then I use more caution than normal.
I've never burned myself, except when oil sizzles and the little spatters get on my skin.
The worst burn I have ever had was when I was in shop class. I was welding (making a branding iron). I had just heated up a piece (part of a letter H) that was the same size as 2 other pieces. I accidentally picked up the piece I had just heated up thinking it was one of the other 2 pieces that looked just like it. I heard a sizzle...I would estimate that the piece was around 800-900 degrees farenheit *seeing as how it was just red (about 1200 degrees)*.