For science, I tried some experiments with a 12v power supply.
As expected, the resistance across dry skin is so high that even placing the electrodes as close as I could manage (pinched between my fingers and placed millimeters apart), the current stayed below the range that I could measure (under 1 mA).
With hands moistened with tap water, the result was the same. <1 mA current.
With a saturated salt water solution, the results were slightly better–I could manage up to about 5 mA, again pinched between fingers on one hand. Between both arms, however, the current was zero. Not even a tingle, either way. Very likely, the current was going entirely via the moisture.
Across the tongue, there was a significant tingle, and even with the electrodes fairly widely spaced I saw 5 mA. Not really painful, but I didn’t experiment further to see if I could increase the current by placing the electrodes closer. Most likely, the lack of a layer of dry, dead skin cells allowed the current to actually flow via the tissue, exciting the nerves. Perhaps saliva is a better electrolyte than salt water, too.
Of course, in none of these cases is there even a tiny danger. A fairly small current across the heart is dangerous–but the only way to achieve that would be to pierce the skin to get at the salty, wet tissue below. And even then, I’m not sure 12 volts would be enough. It’s hard to determine if there’s a continuous low-resistance path that intersects the heart. Not quite willing to run that experiment.
Putting jewelry or other accoutrements in the way is a different story. But then it’s not the electricity that’s the danger, but the burn hazard.