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Dave,
You are correct. If there are circuits turned on - for example, my wife loves to forget to turn the furnace off when we break camp - shorting the disconnected negative terminal to the frame could cause the furnance fan to start - thus drawing a current spark. But, this is significantly less of a problem than accidentially shorting the positive battery to ground. In this situation, the current flow could be upwards of 100+Amps. Talk about welding - that's welding current - and perhaps with your hand on the welding rod.
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