Last summer an old gunsmith and good freind was telling me how inherently more dangerous tube magazine .22's were than one that takes a clip, told me of all the countless stories he had heard over the years of accidental discharge in 'UNLOADED' rifles. With a tube magazine, you can not see what is in the magazine, and one could get stuck. All it takes is a very small peice of dirt or something, and you can work the action to empty it, but there is still a round in the magazine that can pop up at any time.
.......Anyway 3 days later, I shot off my pinkey with an unloaded 30 Remington Pump. I wasnt cleaning it, I wasnt intending to shoot it, I had emptied the magazine and put the antique on my Elk Rack for display. I was showing it to P.J. and demonstrated how the action worked, went to put it back and boom. P.J. found two more in the tube magazine. They could not be seen. With a removeable clip, or even a normal bolt action, you can look into the receiver even while the clip is in, and see at a glance whether it is loaded or not.
Sorry about going on for so long, but it is a bit of a sore subject.
Any firearm should be treated with respect and ALWAYS as if it is LOADED. But some are definately more prone to accident, and a 'blind' magazine that you cannot see the shells is on the top of the list.
{Edited}...by the way...my finger was a small price to pay for a valuable warning. I could have shot P.J. or my girlfreind, and would rather that I blew my head off. A .30 Remington with a 150 gr. softpoint is very lethal at close range.