From being around a lot of dicey electrical situations, working with live power because the "machine can't stop just so you can work on it", listening to advise from those who have gone before me... I have learned to think about the path the current will follow when and if it happens...
What you don't want to happen is the path of least resistance to be directed through your heart, as in from one hand to the other. Keep one hand free, as in not touching anything conductive. As you said, sitting on the (metal) seat, you reach over and adjust some wiring, and it gets you, chances are the power will go through your arm, ground through your butt. Not much chance for damage there. But if you had one hand on the throttle and touched the wiring, could be a different story!
But 120v is for the most part safe. Think how many people, kids, babies, pets, come in contact every day. Very rarely is there any damage.
I was reading an old electricians hand book, from the very early years of electrifying houses and factories. Evidently volt meters were too expensive for the average person to afford, so the book gave some "practical" tips for checking for voltage. It said... If you know the expected voltage is 24 volts or less, stick it to your tongue, 120v or less, just touch it, won't hurt you, 220v slap it but be careful! LOL
I knew an old man that owned a motor rewind shop. He must have been in his 80's, could stand there and hold 120v and show no effect! Said in his younger days he could do it with 220, but his dr. told him he might want to stop since he had had a couple heart attacks! That was one crusty old man!
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