Correct you have to be on the ground or stationary for ~3 seconds before the motors shut down. You CAN shut down the motors with one of the CSC positions but that is such a radical stick position I honestly can't see how anyone could do it by accident.
Being new at this, I didn't realize that. So the copter needs to be on the ground for the motors to be stopped...correct? You can not shut them off while in the air with the left stick?
Feel much better now!