iWire, Zog, I know you're all for safety. Most of us are, you can tell from our posts. The point I was trying to make to Stephanie, a newbie, is that plenty of folks in the trade will encourage her to take chances that WE know she shouldn't. They'll tell her that working live is OK, and a bunch of other lies that, odds are, can get her maimed or killed.
Zog, the "freak failure" you describe was exactly that. But thought and planning resulted in using the remote racking system and avoiding accidental injury or death. So it's a question of terminology, "freak failure," vs. "freak accident."
iWire, your example is similar: Although you didn't expect the wrench to fall, you did plan for the likelihood that SOMETHING unexpected might happen when the switchgear was opened, so you planned for that and donned the PPE.
Zog, I think you're wrong when you say you don't wear a a flash suit because you're planning on being in an arc flash, in the sense that you're recognizing that there MIGHT be one from some unknowable cause, so you'd better be prepared--in other words, plan on being in an arc flash. Or, plan on using remote racking so you can avoid being in an arc flash. You don't have to predict what might cause an arc flash, you just have to predict that the odds are, it'll happen for one reason or another. Don't, as Stephanie suggests, "hope for the best that you make it out alive."