Let me simplify it a little.
Let's say I'm not sweating or standing in a puddle or anything out of the ordinary at all.
I can touch both poles of a car battery, an 18 volt cordless drill battery and even my 36 volt lawn mower battery and I don't feel a shock.
Maybe there's electricity flowing but I don't feel it. I don't have a pacemaker or any steel plates, pins, screws, etc in my bones.
I'm thinking that if I touch both poles of a 48 volt cordless tool battery, I may not feel it because it's relatively low amperage, is that right? But if I have four normal car batteries hooked in series (approx. 48 volts) in a golf cart or something, I'd get zapped because it's much higher amperage. Is that right?