Not to spoil a pointless thread, but accumulator isn‘t a customary term in English and this is an artificial dichotomy . . .
Must be a official term since it is in the Google Dictionary:
ac·cu·mu·la·tor
/əˈkyo͞om

noun
noun: accumulator; plural noun: accumulators
1. a person or thing that accumulates something.
"he's a voracious accumulator of economic facts and data"
An accumulator does not mind shooting his guns recognizing that is what they were made for. A collector rarely shoots his guns . . . Accumulators have more fun and collectors heirs sell or shoot his guns...
I am a collector and specialize in Pre-WWII K frames. I shoot all my collection, even my accumulation of Tip-Ups. A good case in point are the last two S&Ws I have purchased. First was a Model 1899, US Army one of one-thousand 38 Long Colt revolver. To date, I have shot two boxes of ammo through it, but I would definitely call this example as part of my collection. Will I shoot it more, for sure.
I also just added a gun to my accumulation, a Post-WWII K38 Combat Masterpiece. Will I shoot the heck out of it? Absolutely, but other than a more pronounced turn-line it will always look near new. Big difference between the two has nothing to do with shooting them, it has to do with the fact that I do not concentrate on post WWII guns but this one peaked my curiosity about how accurate the are, so does not fit my definition of a collection example. Now as for people who concentrate on Masterpiece revolvers, this one would be a great addition to any of those collections.