I can only hope that it is a large kipper unlike your experience.
We must use better trained and motivated personnel, we don't have refueling accidents but the military does.
Show me the accidents. Don't tell me what might happen. Tell me about all the times it's resulted in an accident. You've got a computer, research the records and back up your words. It won't happen, the accidents are not there.
The vapors that exit the fuel port are rapidly mixed by rotor wash with ambient air, falling below the narrow mixture range required for combustion. If you spray fuel into the engine area you will probably have a fire but then we don't pressurize our fuel systems by filling them to the top.
I'll even accept some first hand knowledge of specific accidents from your vast experience. Come on show me the accidents, I don't need your pity but if that's all you have I'll have to take it.