I am a "hunt and pecker" I never learned to type classic style. I also have been rated at 100+ WPM.
I hate to tell the primitive, but transposing when you are a hunt-and-pecker indicates you are losing concentration. Your brain isn't in the game.
I would be interested to know whether real typists (QWERTY-trained) have this problem when you are tired or a little liquid-enhanced.