Good analysis. That said, this is one of those things where, yeah, if I soldered more than a few times a year, I'd probably worry about it. As it is, cumulatively speaking I probably breathe in more hazardous crap when I'm driving than when I'm soldering with a fan blowing the smoke away from my face.
Leaded solder just way easier to work with, unfortunately. I agree. I’ll stick with it because some simple precautions make just about every “danger” involved moot.
This and don't eat, drink or smoke in the lab. I remember my material sciences professor relating the story that blood lead levels for a certain group of pieceworkers dropped considerably when they banned smoking at the workplace.