I remember a talk by a psychologist from Farnborough who had been involved in accident investigation. He described how a crew had made a wheels up landing, and the captain had remarked "there's something wrong with the brakes."
I never did a wheels up, but did scare myself a couple of times.
I found that it's smart to keep things simple. It is possible to miss things, and checklists are fine if you do them properly. Being human we sometimes do not.
A trigger that is separate from the normal checklists, that will save you on that busy day, when you miss something is
IF THERE IS A RUNWAY AHEAD, CHECK WHEELS.
You do it even if you are in a 172,or if you are the ace of the base in a super jet hummelflinger. Soon it becomes a habbit, and it's no load to carry.