> Wearing gloves and washing your hands five million times is more annoying than just using lead free.

RoHS was more about removing lead from electronics as a whole than health risk to an individual from soldering. To put it into perspective, if you lived in a city before the 1990s, you've already inhaled more lead than you ever will from soldering.

Flux can be hazardous too, even if your solder is lead-free.

But in a non-occupational exposure setting you're not likely to have issues if you solder occasionally even with lead solder and don't take any precautions.