I have a range rod for cleaning and loading 36" or shorter barrels which has a broom-handle-type (length of birch branch) end. I feel no need nor desire to put my hand over the end as I get quite enough seating pressure from the handle.
I also have a couple rods with rounded ends, which are used for cleaning and sometimes seating balls in longer barreled ML's, with which the hand is placed over the end. I feel no fear in using them as such. I do believe there are people who put too much thought into dangerous situations that 'could' possibly happen, to the event they believe it is going to happen and therefore spoils their sport. Safety is a big consideration for me, however I don't get carried away protecting against what possibly could happen.
Those who have had such cook-offs are mildly injured normally. I've had mild injuries before and that sort of thing is probably going to happen again (usually with sharp objects for me). I don't lose sleep over it - it's just a flesh wound & they heal. The rounded ends of those rods will most likely push my hand out of the way, more or less - good enough for me.
Now, if I persisted in using combinations that incinerated or needed wiping often, I might be a bit more cautious as to how I loaded. For now, keeping my knoggin' out of line with the muzzle suffices.