...Not to mention it's part of my job and that's the risk I take,same as me being a firefighter also,it's a risk you have going into it.
About the dumbest analogy I've seen...As a FF/EMT, you can be damn sure I will inconvenience as many people as I feel I need to, to insure 1. My safety, 2. My team's safety, 3. The victim's safety and 4. Property.
Would I dive into an unstable car that could shift and crush me or one of my guys without cribbing and stabilizing it first? Hell no.
Am I going to treat that patient in the car with traffic buzzing by at 70mph just feet from me? Hell No, I'm going to place an apparatus between me and the traffic, blocking off whatever lanes we deem necessary to protect ourselves.
Would I go into a burning building to save one person without first insuring that me and my guys had taken every precaution necessary to not become another group of victims to have to be rescued and risk the lives of not only ourselves but those tasked with rescuing the rescuers? Hell no.
Am I going to go treat that O/D'd druggy in the corner that is bleeding, vomiting and surrounded in needles with no gloves on and in shorts and flip flops? Hell no. I am going to take every precaution I can to make sure I keep everyone including myself safe before taking action lest I become a victim and a burden to others myself.
Sure risks are certainly inherent to the job, stupidity is not, common sense is a job requirement.
So as for me, yes that breaker is going to be off for me to service it. Are there situations where you must test/repair hot? Yes, but there are precautions to take before doing so, and should be done by a trained professional, and that is a last resort.
For the typical homeowner changing a receptacle/light switch, flip the breaker, I don't want to have to be disturbed from my Saturday afternoon project to go perform CPR on your dumb *** because you were too lazy to reset the alarm clock so you decided to work on it hot.