Many years ago (around 1999) there was a thread concerning "disconnect Negative Battery Terminal" that you all should read.
Basically a guy (don't remember who) was changing spark plugs on the front side of a V-6. He did not disconnect the negative terminal.
While swinging his wrench on the no. 2 plug the wrench contacted a live wire (starter is directly below) and almost burned his finger off. It actually burned his wedding ring into his finger down to the bone.
I didn't usually disconnect the negative terminal for minor jobs but I sure think about it now especially when wrenching around the starter.
BTW I don't remove the hood to pull the radiator either.
[This message has been edited by Carrolles (edited 05-13-2003).]