Put it this way, if you have a gun with 50 chambers and you play Russian Roulette. That's the 2% odds. You might fancy your chances. But will you be as confident if you have to play it 10 times?
No I wouldn't ever intentionally point a gun at my head empty or full. I also wouldn't worry about the likelihood of encountering someone with a gun that only had one bullet in it, especially if that one bullet only had an 85% chance of doing me harm. I'd worry even less if that person and I were taking precautions to make sure the bullet stayed in the gun and/or missed other people if it did happen to fire.There are more risky things out there to focus on.