First let me state that I've been using the X10 products for years. I travel a lot and like having computer control of the lights, TV, etc. to give the house a lived in look. Having returned from a 4 year international assignment, we decided to totally remodel the house, which included new lights.
Rather than turning off the circuit breaker, I typically turn off the switch and then test for voltage using a Greenlee GT-11 (Yes, I test it on a live circuit first to ensure the batteries haven't died). So changing an outside light, I put up the 10' step-ladder and turned off the X-10 wall switched that controlled it. I tested for voltage and there was none. Next I removed the old light and left the wires hanging. The new light required a slightly different mounting configuration. While working on it (in a metal box), I suddenly received an electrical shock and nearly fell off the ladder.
Wondering where that came from, I then tested again and found the black lead had voltage. OK, turn off the breaker.
Yesterday while changing the kitchen light (in a 14' ceiling), I was a bit more cautious because it too is controlled by an X-10 wall switch, and I was back on that 10' ladder again. Light was off - no voltage. I then removed all 6 light bulbs, and wow there was voltage again. Screw in a bulb, no voltage - unscrew the bulb, voltage.
So without a load, there is voltage being passed through the X-10 switch. I doubt that there is enough current to kill you, but the voltage is enough to shock you and you could lose your balance if on a ladder.
There may have been a warning in the box with the original switch, but the switch has been there for years so why would I have kept the warning.
Moral of the story: you can be bit by technology. Best bet is to always turn off the breaker, and hope you can turn it on again (I've had breakers go bad after shutting them off).