Kamalu,
I don't get my fingers that close to the reel as I have the same nighmares. I basically hold the foregrip of the rod a bit closer to the reel and point my index finger down towards the water so the line just slaps against my finger which helps push it into the roller. So if I get a strike I don't actually have a finger in danger.
If you grew up with reels like Mitchell 489's and sometimes Mitchell 499's (they were dangerous) and early daiwas, DAMs and Shakespears you learnt these things. 499's had no bail arm at all and you had to hold the line and place it into the roller, sounds good until a big mackerel hits your lure on the drop and you end up effectively handlining, that would be interesting with braid.
I also have a habit with overheads of never throwing them into gear with any load on the spool as I learnt overheads with Seascape 6:1 reels that basically had a manual clutch. Like driving a geared car with no synchro in the gearbox (now I am really showing my age). My kids don't even know how to drive a manual car.