"If I have no metal in or on my body and I touch both terminals, will I get a shock? if so how bad would it be?"
Now don't try this at home kiddies.
Have to qualify somewhat. No, if you use two hands, unless you are very wet -- rain, perspiration or swimming pool -- assuming a 12-14 volt battery. If you use one hand – finger to finger – you stand a chance of feeling a mild shock, depending on your body chemistry, and how clean your hands are.
Direct Current is very nasty stuff. Alternating Current will allow you to pull away from the contact as it passes through zero volts. Normally the natural contraction of the muscles from the electrical pulse will pull you away from AC. Direct current never passes through zero volts, and you are hung up on it for keeps. Depending on how one contacts DC, muscle contractions can pull one into the electricity. The other problem is that an electrical current (even with a voltage as small as 0.5 volt) passing from hand to hand – across the chest – can interfere with the heart’s rhythm. Google heart arrhythmia. This can be a fatal situation – and I am not exaggerating.
For years I worked with a “miracle man.” He blew a 1 amp fuse at 12 kV AC. The current went in his shoulder blade and out the keys in his trousers pocket – both on his right side. The fact that he was wearing a leather jacket probably saved his life. The keys in his pocket probably helped also. Today, some thirty years after the event, he suffers from severe osteoarthritis. Coincidence – maybe, but then again maybe not.
After more than thirty years in the electric utility business I have learned: It is not wise to play games with electricity. Ben Franklin, if he actually did what is so widely reported, was very lucky.
Terry