I don't believe anyone can say it would never happen to them...
I've witnessed a gear up landing once and a very near one by an ex harrier pilot in the UK. The guy had been asked to hold to the north of the airfield, then again downwind, then again on the baseleg and I think he was practicing assymetric so was trying to minimise the drag till the last minute...
Thankfully we were waiting at the holding point and were able to shout over the radio just in time and he went around about 12ft above the runway.
If it can happen to him it can happen to anyone...